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$32,365
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,371
−HK$1,023/mo
Today · 4.125%
HK$34,394
baseline
▲ 0.50% · 4.625%
HK$36,487
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,788/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,005
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,971
−HK$980/mo
Today · 4.125%
HK$37,951
baseline
▲ 0.50% · 4.625%
HK$39,951
+HK$2,000/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,902/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,838
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,046
−HK$1,227/mo
Today · 4.125%
HK$41,273
baseline
▲ 0.50% · 4.625%
HK$43,784
+HK$2,511/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,546/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,207
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,365
−HK$1,176/mo
Today · 4.125%
HK$45,541
baseline
▲ 0.50% · 4.625%
HK$47,941
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,082/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,311
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,720
−HK$1,432/mo
Today · 4.125%
HK$48,152
baseline
▲ 0.50% · 4.625%
HK$51,082
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,304/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,408
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,759
−HK$1,372/mo
Today · 4.125%
HK$53,131
baseline
▲ 0.50% · 4.625%
HK$55,932
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,262/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,256
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,069
−HK$1,841/mo
Today · 4.125%
HK$61,910
baseline
▲ 0.50% · 4.625%
HK$65,677
+HK$3,767/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,820/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,810
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,548
−HK$1,763/mo
Today · 4.125%
HK$68,311
baseline
▲ 0.50% · 4.625%
HK$71,912
+HK$3,601/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,622/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,255 · Scale 2, in force from 26 Feb 2026)