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$32,412
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,420
−HK$1,025/mo
Today · 4.125%
HK$34,445
baseline
▲ 0.50% · 4.625%
HK$36,540
+HK$2,095/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,890/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,058
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,025
−HK$981/mo
Today · 4.125%
HK$38,006
baseline
▲ 0.50% · 4.625%
HK$40,009
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,012/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,894
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,104
−HK$1,229/mo
Today · 4.125%
HK$41,333
baseline
▲ 0.50% · 4.625%
HK$43,848
+HK$2,515/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,666/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,270
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,430
−HK$1,177/mo
Today · 4.125%
HK$45,607
baseline
▲ 0.50% · 4.625%
HK$48,011
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,214/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,377
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,788
−HK$1,434/mo
Today · 4.125%
HK$48,222
baseline
▲ 0.50% · 4.625%
HK$51,157
+HK$2,935/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,444/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,481
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,835
−HK$1,374/mo
Today · 4.125%
HK$53,209
baseline
▲ 0.50% · 4.625%
HK$56,013
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,418/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,342
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,156
−HK$1,844/mo
Today · 4.125%
HK$62,000
baseline
▲ 0.50% · 4.625%
HK$65,773
+HK$3,773/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$124,000/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,904
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,645
−HK$1,766/mo
Today · 4.125%
HK$68,411
baseline
▲ 0.50% · 4.625%
HK$72,017
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,822/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,033 · Scale 2, in force from 26 Feb 2026)