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$32,406
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,414
−HK$1,024/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,534
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,051
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,018
−HK$981/mo
Today · 4.125%
HK$37,999
baseline
▲ 0.50% · 4.625%
HK$40,002
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$75,998/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,887
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,097
−HK$1,229/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,840
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$82,652/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,262
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,422
−HK$1,177/mo
Today · 4.125%
HK$45,599
baseline
▲ 0.50% · 4.625%
HK$48,003
+HK$2,404/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$91,198/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,368
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,780
−HK$1,433/mo
Today · 4.125%
HK$48,213
baseline
▲ 0.50% · 4.625%
HK$51,147
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,426/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,472
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,826
−HK$1,373/mo
Today · 4.125%
HK$53,199
baseline
▲ 0.50% · 4.625%
HK$56,003
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,398/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,331
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,145
−HK$1,844/mo
Today · 4.125%
HK$61,989
baseline
▲ 0.50% · 4.625%
HK$65,761
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,978/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,892
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,633
−HK$1,765/mo
Today · 4.125%
HK$68,398
baseline
▲ 0.50% · 4.625%
HK$72,004
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,796/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,934 · Scale 2, in force from 26 Feb 2026)