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$32,398
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,405
−HK$1,024/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,524
+HK$2,095/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,042
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,009
−HK$980/mo
Today · 4.125%
HK$37,989
baseline
▲ 0.50% · 4.625%
HK$39,992
+HK$2,003/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,978/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,877
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,086
−HK$1,229/mo
Today · 4.125%
HK$41,315
baseline
▲ 0.50% · 4.625%
HK$43,829
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,630/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,250
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,410
−HK$1,177/mo
Today · 4.125%
HK$45,587
baseline
▲ 0.50% · 4.625%
HK$47,990
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,174/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,357
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,768
−HK$1,433/mo
Today · 4.125%
HK$48,201
baseline
▲ 0.50% · 4.625%
HK$51,134
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,402/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,459
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,812
−HK$1,373/mo
Today · 4.125%
HK$53,185
baseline
▲ 0.50% · 4.625%
HK$55,988
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,370/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,316
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,130
−HK$1,843/mo
Today · 4.125%
HK$61,973
baseline
▲ 0.50% · 4.625%
HK$65,743
+HK$3,770/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,946/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,876
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,616
−HK$1,765/mo
Today · 4.125%
HK$68,381
baseline
▲ 0.50% · 4.625%
HK$71,985
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,762/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,796 · Scale 2, in force from 26 Feb 2026)