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$32,417
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,426
−HK$1,024/mo
Today · 4.125%
HK$34,450
baseline
▲ 0.50% · 4.625%
HK$36,546
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,900/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,064
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,031
−HK$981/mo
Today · 4.125%
HK$38,012
baseline
▲ 0.50% · 4.625%
HK$40,016
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,024/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,901
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,111
−HK$1,229/mo
Today · 4.125%
HK$41,340
baseline
▲ 0.50% · 4.625%
HK$43,856
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,680/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,277
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,437
−HK$1,178/mo
Today · 4.125%
HK$45,615
baseline
▲ 0.50% · 4.625%
HK$48,019
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,230/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,384
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,796
−HK$1,434/mo
Today · 4.125%
HK$48,230
baseline
▲ 0.50% · 4.625%
HK$51,165
+HK$2,935/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,460/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,489
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,844
−HK$1,373/mo
Today · 4.125%
HK$53,217
baseline
▲ 0.50% · 4.625%
HK$56,022
+HK$2,805/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,434/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,351
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,844/mo
Today · 4.125%
HK$62,010
baseline
▲ 0.50% · 4.625%
HK$65,783
+HK$3,773/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$124,020/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,915
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,656
−HK$1,766/mo
Today · 4.125%
HK$68,422
baseline
▲ 0.50% · 4.625%
HK$72,029
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,844/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,119 · Scale 2, in force from 26 Feb 2026)