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$32,444
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,454
−HK$1,025/mo
Today · 4.125%
HK$34,479
baseline
▲ 0.50% · 4.625%
HK$36,577
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,958/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,094
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,062
−HK$982/mo
Today · 4.125%
HK$38,044
baseline
▲ 0.50% · 4.625%
HK$40,049
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,088/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,933
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,144
−HK$1,231/mo
Today · 4.125%
HK$41,375
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,750/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,313
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,474
−HK$1,179/mo
Today · 4.125%
HK$45,653
baseline
▲ 0.50% · 4.625%
HK$48,059
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,306/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,835
−HK$1,435/mo
Today · 4.125%
HK$48,270
baseline
▲ 0.50% · 4.625%
HK$51,208
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,540/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,532
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,887
−HK$1,375/mo
Today · 4.125%
HK$53,262
baseline
▲ 0.50% · 4.625%
HK$56,069
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,524/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,400
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,216
−HK$1,846/mo
Today · 4.125%
HK$62,062
baseline
▲ 0.50% · 4.625%
HK$65,838
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,124/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,969
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,712
−HK$1,767/mo
Today · 4.125%
HK$68,479
baseline
▲ 0.50% · 4.625%
HK$72,089
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,958/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,565 · Scale 2, in force from 26 Feb 2026)