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$32,416
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,424
−HK$1,025/mo
Today · 4.125%
HK$34,449
baseline
▲ 0.50% · 4.625%
HK$36,545
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,898/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,062
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,029
−HK$982/mo
Today · 4.125%
HK$38,011
baseline
▲ 0.50% · 4.625%
HK$40,014
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,022/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,899
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,229/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,854
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,275
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,435
−HK$1,178/mo
Today · 4.125%
HK$45,613
baseline
▲ 0.50% · 4.625%
HK$48,017
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,226/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,382
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,794
−HK$1,434/mo
Today · 4.125%
HK$48,228
baseline
▲ 0.50% · 4.625%
HK$51,162
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,456/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,487
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,841
−HK$1,374/mo
Today · 4.125%
HK$53,215
baseline
▲ 0.50% · 4.625%
HK$56,020
+HK$2,805/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,430/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,348
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,163
−HK$1,844/mo
Today · 4.125%
HK$62,007
baseline
▲ 0.50% · 4.625%
HK$65,780
+HK$3,773/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$124,014/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,912
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,653
−HK$1,766/mo
Today · 4.125%
HK$68,419
baseline
▲ 0.50% · 4.625%
HK$72,025
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,838/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,095 · Scale 2, in force from 26 Feb 2026)