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$32,413
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$1,024/mo
Today · 4.125%
HK$34,445
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,890/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,059
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$981/mo
Today · 4.125%
HK$38,007
baseline
▲ 0.50% · 4.625%
HK$40,011
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,014/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,895
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,105
−HK$1,229/mo
Today · 4.125%
HK$41,334
baseline
▲ 0.50% · 4.625%
HK$43,850
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,668/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,271
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,431
−HK$1,178/mo
Today · 4.125%
HK$45,609
baseline
▲ 0.50% · 4.625%
HK$48,013
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,218/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,378
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,789
−HK$1,435/mo
Today · 4.125%
HK$48,224
baseline
▲ 0.50% · 4.625%
HK$51,158
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,448/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,483
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,836
−HK$1,374/mo
Today · 4.125%
HK$53,210
baseline
▲ 0.50% · 4.625%
HK$56,015
+HK$2,805/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,420/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,343
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,158
−HK$1,844/mo
Today · 4.125%
HK$62,002
baseline
▲ 0.50% · 4.625%
HK$65,774
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$124,004/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,906
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,647
−HK$1,766/mo
Today · 4.125%
HK$68,413
baseline
▲ 0.50% · 4.625%
HK$72,019
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,826/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,047 · Scale 2, in force from 26 Feb 2026)