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$32,395
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,402
−HK$1,024/mo
Today · 4.125%
HK$34,426
baseline
▲ 0.50% · 4.625%
HK$36,521
+HK$2,095/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,852/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,039
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,005
−HK$981/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$39,988
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,874
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,083
−HK$1,228/mo
Today · 4.125%
HK$41,311
baseline
▲ 0.50% · 4.625%
HK$43,825
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,622/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,246
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,406
−HK$1,177/mo
Today · 4.125%
HK$45,583
baseline
▲ 0.50% · 4.625%
HK$47,986
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,166/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,352
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,763
−HK$1,433/mo
Today · 4.125%
HK$48,196
baseline
▲ 0.50% · 4.625%
HK$51,129
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,392/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,454
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,807
−HK$1,373/mo
Today · 4.125%
HK$53,180
baseline
▲ 0.50% · 4.625%
HK$55,983
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,360/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,310
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,124
−HK$1,843/mo
Today · 4.125%
HK$61,967
baseline
▲ 0.50% · 4.625%
HK$65,737
+HK$3,770/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,934/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,870
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,609
−HK$1,765/mo
Today · 4.125%
HK$68,374
baseline
▲ 0.50% · 4.625%
HK$71,978
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,748/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,747 · Scale 2, in force from 26 Feb 2026)