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$32,436
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$1,025/mo
Today · 4.125%
HK$34,470
baseline
▲ 0.50% · 4.625%
HK$36,568
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,940/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,085
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,053
−HK$981/mo
Today · 4.125%
HK$38,034
baseline
▲ 0.50% · 4.625%
HK$40,039
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,068/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,923
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,134
−HK$1,230/mo
Today · 4.125%
HK$41,364
baseline
▲ 0.50% · 4.625%
HK$43,881
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,728/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,302
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,463
−HK$1,178/mo
Today · 4.125%
HK$45,641
baseline
▲ 0.50% · 4.625%
HK$48,047
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,282/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,411
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,823
−HK$1,435/mo
Today · 4.125%
HK$48,258
baseline
▲ 0.50% · 4.625%
HK$51,195
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,516/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,519
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,874
−HK$1,374/mo
Today · 4.125%
HK$53,248
baseline
▲ 0.50% · 4.625%
HK$56,055
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,496/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,385
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,201
−HK$1,845/mo
Today · 4.125%
HK$62,046
baseline
▲ 0.50% · 4.625%
HK$65,822
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,092/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,953
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,695
−HK$1,767/mo
Today · 4.125%
HK$68,462
baseline
▲ 0.50% · 4.625%
HK$72,071
+HK$3,609/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,924/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,430 · Scale 2, in force from 26 Feb 2026)