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$32,370
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,376
−HK$1,023/mo
Today · 4.125%
HK$34,399
baseline
▲ 0.50% · 4.625%
HK$36,493
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,798/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,011
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$979/mo
Today · 4.125%
HK$37,956
baseline
▲ 0.50% · 4.625%
HK$39,957
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,912/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,844
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,227/mo
Today · 4.125%
HK$41,279
baseline
▲ 0.50% · 4.625%
HK$43,791
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,558/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,213
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,372
−HK$1,176/mo
Today · 4.125%
HK$45,548
baseline
▲ 0.50% · 4.625%
HK$47,949
+HK$2,401/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,096/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,317
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,727
−HK$1,432/mo
Today · 4.125%
HK$48,159
baseline
▲ 0.50% · 4.625%
HK$51,090
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,318/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,415
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,767
−HK$1,372/mo
Today · 4.125%
HK$53,139
baseline
▲ 0.50% · 4.625%
HK$55,940
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,278/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,265
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,078
−HK$1,841/mo
Today · 4.125%
HK$61,919
baseline
▲ 0.50% · 4.625%
HK$65,687
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,838/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,820
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,558
−HK$1,764/mo
Today · 4.125%
HK$68,322
baseline
▲ 0.50% · 4.625%
HK$71,923
+HK$3,601/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,644/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,335 · Scale 2, in force from 26 Feb 2026)