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$32,410
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,419
−HK$1,024/mo
Today · 4.125%
HK$34,443
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,886/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,056
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,023
−HK$981/mo
Today · 4.125%
HK$38,004
baseline
▲ 0.50% · 4.625%
HK$40,008
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,008/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,892
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,102
−HK$1,229/mo
Today · 4.125%
HK$41,331
baseline
▲ 0.50% · 4.625%
HK$43,846
+HK$2,515/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,662/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,267
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,428
−HK$1,177/mo
Today · 4.125%
HK$45,605
baseline
▲ 0.50% · 4.625%
HK$48,009
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,210/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,375
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,786
−HK$1,434/mo
Today · 4.125%
HK$48,220
baseline
▲ 0.50% · 4.625%
HK$51,154
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,440/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,479
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,833
−HK$1,373/mo
Today · 4.125%
HK$53,206
baseline
▲ 0.50% · 4.625%
HK$56,011
+HK$2,805/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,412/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,339
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,153
−HK$1,844/mo
Today · 4.125%
HK$61,997
baseline
▲ 0.50% · 4.625%
HK$65,769
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,994/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,901
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,642
−HK$1,766/mo
Today · 4.125%
HK$68,408
baseline
▲ 0.50% · 4.625%
HK$72,014
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,816/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,006 · Scale 2, in force from 26 Feb 2026)