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$32,434
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,443
−HK$1,025/mo
Today · 4.125%
HK$34,468
baseline
▲ 0.50% · 4.625%
HK$36,565
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,936/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,082
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,050
−HK$982/mo
Today · 4.125%
HK$38,032
baseline
▲ 0.50% · 4.625%
HK$40,037
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,064/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,921
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,131
−HK$1,230/mo
Today · 4.125%
HK$41,361
baseline
▲ 0.50% · 4.625%
HK$43,878
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,722/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,299
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,460
−HK$1,178/mo
Today · 4.125%
HK$45,638
baseline
▲ 0.50% · 4.625%
HK$48,044
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,276/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,407
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,820
−HK$1,435/mo
Today · 4.125%
HK$48,255
baseline
▲ 0.50% · 4.625%
HK$51,191
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,510/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,515
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,870
−HK$1,375/mo
Today · 4.125%
HK$53,245
baseline
▲ 0.50% · 4.625%
HK$56,051
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,490/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,381
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,197
−HK$1,845/mo
Today · 4.125%
HK$62,042
baseline
▲ 0.50% · 4.625%
HK$65,817
+HK$3,775/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,084/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,948
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,690
−HK$1,767/mo
Today · 4.125%
HK$68,457
baseline
▲ 0.50% · 4.625%
HK$72,066
+HK$3,609/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,914/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,393 · Scale 2, in force from 26 Feb 2026)