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$32,360
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,366
−HK$1,023/mo
Today · 4.125%
HK$34,389
baseline
▲ 0.50% · 4.625%
HK$36,481
+HK$2,092/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,778/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,000
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,965
−HK$980/mo
Today · 4.125%
HK$37,945
baseline
▲ 0.50% · 4.625%
HK$39,945
+HK$2,000/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,890/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,832
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,039
−HK$1,228/mo
Today · 4.125%
HK$41,267
baseline
▲ 0.50% · 4.625%
HK$43,778
+HK$2,511/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$82,534/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,200
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,358
−HK$1,176/mo
Today · 4.125%
HK$45,534
baseline
▲ 0.50% · 4.625%
HK$47,934
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$91,068/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,303
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,713
−HK$1,431/mo
Today · 4.125%
HK$48,144
baseline
▲ 0.50% · 4.625%
HK$51,074
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,288/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,400
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,751
−HK$1,372/mo
Today · 4.125%
HK$53,123
baseline
▲ 0.50% · 4.625%
HK$55,923
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,246/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,247
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,059
−HK$1,841/mo
Today · 4.125%
HK$61,900
baseline
▲ 0.50% · 4.625%
HK$65,666
+HK$3,766/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,800/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,800
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,537
−HK$1,763/mo
Today · 4.125%
HK$68,300
baseline
▲ 0.50% · 4.625%
HK$71,901
+HK$3,601/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,600/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,171 · Scale 2, in force from 26 Feb 2026)