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$32,376
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,383
−HK$1,023/mo
Today · 4.125%
HK$34,406
baseline
▲ 0.50% · 4.625%
HK$36,499
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,812/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,018
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,984
−HK$979/mo
Today · 4.125%
HK$37,963
baseline
▲ 0.50% · 4.625%
HK$39,965
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,926/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,851
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,059
−HK$1,228/mo
Today · 4.125%
HK$41,287
baseline
▲ 0.50% · 4.625%
HK$43,799
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,574/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,221
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,380
−HK$1,176/mo
Today · 4.125%
HK$45,556
baseline
▲ 0.50% · 4.625%
HK$47,958
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,112/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,326
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,736
−HK$1,432/mo
Today · 4.125%
HK$48,168
baseline
▲ 0.50% · 4.625%
HK$51,099
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,336/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,425
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,777
−HK$1,372/mo
Today · 4.125%
HK$53,149
baseline
▲ 0.50% · 4.625%
HK$55,950
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,298/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,276
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,089
−HK$1,842/mo
Today · 4.125%
HK$61,931
baseline
▲ 0.50% · 4.625%
HK$65,699
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,862/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,832
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,570
−HK$1,764/mo
Today · 4.125%
HK$68,334
baseline
▲ 0.50% · 4.625%
HK$71,936
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,668/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,434 · Scale 2, in force from 26 Feb 2026)