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$32,393
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$1,024/mo
Today · 4.125%
HK$34,425
baseline
▲ 0.50% · 4.625%
HK$36,519
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,850/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,037
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,004
−HK$980/mo
Today · 4.125%
HK$37,984
baseline
▲ 0.50% · 4.625%
HK$39,986
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,968/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,872
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,081
−HK$1,229/mo
Today · 4.125%
HK$41,310
baseline
▲ 0.50% · 4.625%
HK$43,823
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,620/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,245
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,405
−HK$1,176/mo
Today · 4.125%
HK$45,581
baseline
▲ 0.50% · 4.625%
HK$47,984
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,162/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,351
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,761
−HK$1,434/mo
Today · 4.125%
HK$48,195
baseline
▲ 0.50% · 4.625%
HK$51,127
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,390/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,452
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,805
−HK$1,373/mo
Today · 4.125%
HK$53,178
baseline
▲ 0.50% · 4.625%
HK$55,981
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,356/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,308
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,122
−HK$1,842/mo
Today · 4.125%
HK$61,964
baseline
▲ 0.50% · 4.625%
HK$65,735
+HK$3,771/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,928/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,867
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,607
−HK$1,765/mo
Today · 4.125%
HK$68,372
baseline
▲ 0.50% · 4.625%
HK$71,976
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,744/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,726 · Scale 2, in force from 26 Feb 2026)