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$32,410
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,418
−HK$1,024/mo
Today · 4.125%
HK$34,442
baseline
▲ 0.50% · 4.625%
HK$36,538
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,884/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,055
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,022
−HK$981/mo
Today · 4.125%
HK$38,003
baseline
▲ 0.50% · 4.625%
HK$40,007
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,006/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,892
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,101
−HK$1,229/mo
Today · 4.125%
HK$41,330
baseline
▲ 0.50% · 4.625%
HK$43,845
+HK$2,515/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,660/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,266
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,427
−HK$1,177/mo
Today · 4.125%
HK$45,604
baseline
▲ 0.50% · 4.625%
HK$48,008
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,208/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,373
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,785
−HK$1,434/mo
Today · 4.125%
HK$48,219
baseline
▲ 0.50% · 4.625%
HK$51,153
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,438/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,478
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,831
−HK$1,374/mo
Today · 4.125%
HK$53,205
baseline
▲ 0.50% · 4.625%
HK$56,009
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,410/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,337
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,152
−HK$1,844/mo
Today · 4.125%
HK$61,996
baseline
▲ 0.50% · 4.625%
HK$65,768
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,992/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,900
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,640
−HK$1,766/mo
Today · 4.125%
HK$68,406
baseline
▲ 0.50% · 4.625%
HK$72,012
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,812/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,994 · Scale 2, in force from 26 Feb 2026)