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$32,387
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,394
−HK$1,024/mo
Today · 4.125%
HK$34,418
baseline
▲ 0.50% · 4.625%
HK$36,512
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,836/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,030
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,996
−HK$980/mo
Today · 4.125%
HK$37,976
baseline
▲ 0.50% · 4.625%
HK$39,978
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,952/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,864
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,073
−HK$1,228/mo
Today · 4.125%
HK$41,301
baseline
▲ 0.50% · 4.625%
HK$43,814
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,602/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,236
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,177/mo
Today · 4.125%
HK$45,572
baseline
▲ 0.50% · 4.625%
HK$47,974
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,144/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,752
−HK$1,433/mo
Today · 4.125%
HK$48,185
baseline
▲ 0.50% · 4.625%
HK$51,117
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,370/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,442
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,795
−HK$1,372/mo
Today · 4.125%
HK$53,167
baseline
▲ 0.50% · 4.625%
HK$55,970
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,334/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,296
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,109
−HK$1,843/mo
Today · 4.125%
HK$61,952
baseline
▲ 0.50% · 4.625%
HK$65,721
+HK$3,769/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,904/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,854
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,593
−HK$1,765/mo
Today · 4.125%
HK$68,358
baseline
▲ 0.50% · 4.625%
HK$71,961
+HK$3,603/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,716/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,617 · Scale 2, in force from 26 Feb 2026)