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$32,386
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,393
−HK$1,024/mo
Today · 4.125%
HK$34,417
baseline
▲ 0.50% · 4.625%
HK$36,511
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,834/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,029
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,995
−HK$980/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$39,977
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,863
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,072
−HK$1,228/mo
Today · 4.125%
HK$41,300
baseline
▲ 0.50% · 4.625%
HK$43,813
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,600/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,235
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,394
−HK$1,176/mo
Today · 4.125%
HK$45,570
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,140/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,340
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,750
−HK$1,433/mo
Today · 4.125%
HK$48,183
baseline
▲ 0.50% · 4.625%
HK$51,115
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,366/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,440
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,793
−HK$1,373/mo
Today · 4.125%
HK$53,166
baseline
▲ 0.50% · 4.625%
HK$55,968
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,332/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,294
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,108
−HK$1,842/mo
Today · 4.125%
HK$61,950
baseline
▲ 0.50% · 4.625%
HK$65,719
+HK$3,769/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,900/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,852
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,591
−HK$1,765/mo
Today · 4.125%
HK$68,356
baseline
▲ 0.50% · 4.625%
HK$71,959
+HK$3,603/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,712/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,601 · Scale 2, in force from 26 Feb 2026)