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$32,407
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$1,024/mo
Today · 4.125%
HK$34,439
baseline
▲ 0.50% · 4.625%
HK$36,534
+HK$2,095/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,878/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,052
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$981/mo
Today · 4.125%
HK$38,000
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,000/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,888
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,097
−HK$1,229/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,841
+HK$2,515/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$532,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,262
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,423
−HK$1,177/mo
Today · 4.125%
HK$45,600
baseline
▲ 0.50% · 4.625%
HK$48,003
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$91,200/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,369
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,780
−HK$1,434/mo
Today · 4.125%
HK$48,214
baseline
▲ 0.50% · 4.625%
HK$51,148
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,428/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,473
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,826
−HK$1,374/mo
Today · 4.125%
HK$53,200
baseline
▲ 0.50% · 4.625%
HK$56,004
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,400/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,332
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,146
−HK$1,844/mo
Today · 4.125%
HK$61,990
baseline
▲ 0.50% · 4.625%
HK$65,762
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,980/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,893
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,634
−HK$1,765/mo
Today · 4.125%
HK$68,399
baseline
▲ 0.50% · 4.625%
HK$72,005
+HK$3,606/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,798/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,942 · Scale 2, in force from 26 Feb 2026)