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$32,418
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$1,024/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,547
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$981/mo
Today · 4.125%
HK$38,013
baseline
▲ 0.50% · 4.625%
HK$40,017
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,026/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,112
−HK$1,229/mo
Today · 4.125%
HK$41,341
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,682/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,278
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,177/mo
Today · 4.125%
HK$45,616
baseline
▲ 0.50% · 4.625%
HK$48,021
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,232/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,386
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,797
−HK$1,435/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$51,166
+HK$2,934/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,491
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,845
−HK$1,374/mo
Today · 4.125%
HK$53,219
baseline
▲ 0.50% · 4.625%
HK$56,024
+HK$2,805/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,438/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,353
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,168
−HK$1,844/mo
Today · 4.125%
HK$62,012
baseline
▲ 0.50% · 4.625%
HK$65,785
+HK$3,773/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,024/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,917
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,658
−HK$1,766/mo
Today · 4.125%
HK$68,424
baseline
▲ 0.50% · 4.625%
HK$72,031
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,848/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,135 · Scale 2, in force from 26 Feb 2026)