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$32,372
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,379
−HK$1,023/mo
Today · 4.125%
HK$34,402
baseline
▲ 0.50% · 4.625%
HK$36,495
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,804/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,013
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,979
−HK$980/mo
Today · 4.125%
HK$37,959
baseline
▲ 0.50% · 4.625%
HK$39,960
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,918/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,846
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,054
−HK$1,228/mo
Today · 4.125%
HK$41,282
baseline
▲ 0.50% · 4.625%
HK$43,794
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,564/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,216
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,375
−HK$1,176/mo
Today · 4.125%
HK$45,551
baseline
▲ 0.50% · 4.625%
HK$47,952
+HK$2,401/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,102/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,321
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,730
−HK$1,433/mo
Today · 4.125%
HK$48,163
baseline
▲ 0.50% · 4.625%
HK$51,093
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,326/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,419
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,771
−HK$1,372/mo
Today · 4.125%
HK$53,143
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,286/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,269
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,082
−HK$1,841/mo
Today · 4.125%
HK$61,923
baseline
▲ 0.50% · 4.625%
HK$65,691
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,846/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,824
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,562
−HK$1,764/mo
Today · 4.125%
HK$68,326
baseline
▲ 0.50% · 4.625%
HK$71,928
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,652/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,371 · Scale 2, in force from 26 Feb 2026)