The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$32,382
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,389
−HK$1,024/mo
Today · 4.125%
HK$34,413
baseline
▲ 0.50% · 4.625%
HK$36,507
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,826/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,025
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,991
−HK$980/mo
Today · 4.125%
HK$37,971
baseline
▲ 0.50% · 4.625%
HK$39,973
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,942/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,859
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,067
−HK$1,228/mo
Today · 4.125%
HK$41,295
baseline
▲ 0.50% · 4.625%
HK$43,808
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,590/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,230
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,389
−HK$1,176/mo
Today · 4.125%
HK$45,565
baseline
▲ 0.50% · 4.625%
HK$47,967
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,130/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,335
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,745
−HK$1,433/mo
Today · 4.125%
HK$48,178
baseline
▲ 0.50% · 4.625%
HK$51,110
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,356/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,435
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,787
−HK$1,373/mo
Today · 4.125%
HK$53,160
baseline
▲ 0.50% · 4.625%
HK$55,962
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,320/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,288
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,101
−HK$1,842/mo
Today · 4.125%
HK$61,943
baseline
▲ 0.50% · 4.625%
HK$65,712
+HK$3,769/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,886/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,845
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,584
−HK$1,764/mo
Today · 4.125%
HK$68,348
baseline
▲ 0.50% · 4.625%
HK$71,951
+HK$3,603/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,696/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,543 · Scale 2, in force from 26 Feb 2026)