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$32,380
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,387
−HK$1,023/mo
Today · 4.125%
HK$34,410
baseline
▲ 0.50% · 4.625%
HK$36,504
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,820/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,022
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,988
−HK$980/mo
Today · 4.125%
HK$37,968
baseline
▲ 0.50% · 4.625%
HK$39,969
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,936/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,855
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,064
−HK$1,228/mo
Today · 4.125%
HK$41,292
baseline
▲ 0.50% · 4.625%
HK$43,805
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,584/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,226
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,386
−HK$1,176/mo
Today · 4.125%
HK$45,562
baseline
▲ 0.50% · 4.625%
HK$47,963
+HK$2,401/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,124/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,331
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,433/mo
Today · 4.125%
HK$48,174
baseline
▲ 0.50% · 4.625%
HK$51,105
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,348/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,431
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,783
−HK$1,372/mo
Today · 4.125%
HK$53,155
baseline
▲ 0.50% · 4.625%
HK$55,957
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,310/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,283
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,096
−HK$1,842/mo
Today · 4.125%
HK$61,938
baseline
▲ 0.50% · 4.625%
HK$65,707
+HK$3,769/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,876/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,840
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,578
−HK$1,765/mo
Today · 4.125%
HK$68,343
baseline
▲ 0.50% · 4.625%
HK$71,945
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,686/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,499 · Scale 2, in force from 26 Feb 2026)