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$32,432
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$1,024/mo
Today · 4.125%
HK$34,465
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,930/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,080
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$981/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,034
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,918
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,129
−HK$1,230/mo
Today · 4.125%
HK$41,359
baseline
▲ 0.50% · 4.625%
HK$43,875
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,718/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,296
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,457
−HK$1,178/mo
Today · 4.125%
HK$45,635
baseline
▲ 0.50% · 4.625%
HK$48,041
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,270/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,404
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,817
−HK$1,435/mo
Today · 4.125%
HK$48,252
baseline
▲ 0.50% · 4.625%
HK$51,188
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,504/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,512
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,867
−HK$1,374/mo
Today · 4.125%
HK$53,241
baseline
▲ 0.50% · 4.625%
HK$56,047
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,482/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,377
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,193
−HK$1,845/mo
Today · 4.125%
HK$62,038
baseline
▲ 0.50% · 4.625%
HK$65,813
+HK$3,775/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,076/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,944
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,686
−HK$1,767/mo
Today · 4.125%
HK$68,453
baseline
▲ 0.50% · 4.625%
HK$72,061
+HK$3,608/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,906/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,357 · Scale 2, in force from 26 Feb 2026)