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$32,425
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,433
−HK$1,025/mo
Today · 4.125%
HK$34,458
baseline
▲ 0.50% · 4.625%
HK$36,555
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,916/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,072
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,040
−HK$981/mo
Today · 4.125%
HK$38,021
baseline
▲ 0.50% · 4.625%
HK$40,025
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,042/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,910
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,120
−HK$1,230/mo
Today · 4.125%
HK$41,350
baseline
▲ 0.50% · 4.625%
HK$43,866
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,700/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,287
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,448
−HK$1,177/mo
Today · 4.125%
HK$45,625
baseline
▲ 0.50% · 4.625%
HK$48,030
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,250/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,395
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,807
−HK$1,434/mo
Today · 4.125%
HK$48,241
baseline
▲ 0.50% · 4.625%
HK$51,177
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,482/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,501
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,855
−HK$1,374/mo
Today · 4.125%
HK$53,229
baseline
▲ 0.50% · 4.625%
HK$56,035
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,458/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,364
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,180
−HK$1,844/mo
Today · 4.125%
HK$62,024
baseline
▲ 0.50% · 4.625%
HK$65,798
+HK$3,774/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,048/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,930
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,671
−HK$1,767/mo
Today · 4.125%
HK$68,438
baseline
▲ 0.50% · 4.625%
HK$72,045
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,876/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,242 · Scale 2, in force from 26 Feb 2026)