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$32,375
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,382
−HK$1,023/mo
Today · 4.125%
HK$34,405
baseline
▲ 0.50% · 4.625%
HK$36,499
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,810/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,017
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,983
−HK$980/mo
Today · 4.125%
HK$37,963
baseline
▲ 0.50% · 4.625%
HK$39,964
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,926/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,850
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,059
−HK$1,227/mo
Today · 4.125%
HK$41,286
baseline
▲ 0.50% · 4.625%
HK$43,799
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,572/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,220
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,380
−HK$1,175/mo
Today · 4.125%
HK$45,555
baseline
▲ 0.50% · 4.625%
HK$47,957
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,110/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,325
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,735
−HK$1,432/mo
Today · 4.125%
HK$48,167
baseline
▲ 0.50% · 4.625%
HK$51,098
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,334/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,424
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,776
−HK$1,372/mo
Today · 4.125%
HK$53,148
baseline
▲ 0.50% · 4.625%
HK$55,950
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,296/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,275
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,088
−HK$1,842/mo
Today · 4.125%
HK$61,930
baseline
▲ 0.50% · 4.625%
HK$65,698
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,860/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,831
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,569
−HK$1,764/mo
Today · 4.125%
HK$68,333
baseline
▲ 0.50% · 4.625%
HK$71,935
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,666/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,426 · Scale 2, in force from 26 Feb 2026)