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$32,426
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,434
−HK$1,025/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,073
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,041
−HK$981/mo
Today · 4.125%
HK$38,022
baseline
▲ 0.50% · 4.625%
HK$40,026
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,044/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,911
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,121
−HK$1,230/mo
Today · 4.125%
HK$41,351
baseline
▲ 0.50% · 4.625%
HK$43,867
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,702/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,288
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,449
−HK$1,178/mo
Today · 4.125%
HK$45,627
baseline
▲ 0.50% · 4.625%
HK$48,032
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,254/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,396
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,808
−HK$1,435/mo
Today · 4.125%
HK$48,243
baseline
▲ 0.50% · 4.625%
HK$51,178
+HK$2,935/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,486/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,503
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,857
−HK$1,374/mo
Today · 4.125%
HK$53,231
baseline
▲ 0.50% · 4.625%
HK$56,037
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,462/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,366
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,182
−HK$1,844/mo
Today · 4.125%
HK$62,026
baseline
▲ 0.50% · 4.625%
HK$65,801
+HK$3,775/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,052/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,932
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,673
−HK$1,767/mo
Today · 4.125%
HK$68,440
baseline
▲ 0.50% · 4.625%
HK$72,048
+HK$3,608/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,880/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,258 · Scale 2, in force from 26 Feb 2026)