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$32,438
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,447
−HK$1,025/mo
Today · 4.125%
HK$34,472
baseline
▲ 0.50% · 4.625%
HK$36,569
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,944/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,087
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,054
−HK$982/mo
Today · 4.125%
HK$38,036
baseline
▲ 0.50% · 4.625%
HK$40,041
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,072/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,925
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,136
−HK$1,230/mo
Today · 4.125%
HK$41,366
baseline
▲ 0.50% · 4.625%
HK$43,883
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,732/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,304
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,465
−HK$1,178/mo
Today · 4.125%
HK$45,643
baseline
▲ 0.50% · 4.625%
HK$48,049
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,286/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,413
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,825
−HK$1,436/mo
Today · 4.125%
HK$48,261
baseline
▲ 0.50% · 4.625%
HK$51,197
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,522/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,521
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,876
−HK$1,375/mo
Today · 4.125%
HK$53,251
baseline
▲ 0.50% · 4.625%
HK$56,058
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,502/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,388
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,204
−HK$1,845/mo
Today · 4.125%
HK$62,049
baseline
▲ 0.50% · 4.625%
HK$65,825
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,098/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,956
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,698
−HK$1,767/mo
Today · 4.125%
HK$68,465
baseline
▲ 0.50% · 4.625%
HK$72,074
+HK$3,609/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,930/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,455 · Scale 2, in force from 26 Feb 2026)