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$32,374
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,381
−HK$1,023/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,498
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,016
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,982
−HK$980/mo
Today · 4.125%
HK$37,962
baseline
▲ 0.50% · 4.625%
HK$39,963
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,924/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,849
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,057
−HK$1,228/mo
Today · 4.125%
HK$41,285
baseline
▲ 0.50% · 4.625%
HK$43,797
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,570/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,219
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,378
−HK$1,176/mo
Today · 4.125%
HK$45,554
baseline
▲ 0.50% · 4.625%
HK$47,955
+HK$2,401/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,108/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,324
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,734
−HK$1,432/mo
Today · 4.125%
HK$48,166
baseline
▲ 0.50% · 4.625%
HK$51,097
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,332/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,422
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,775
−HK$1,371/mo
Today · 4.125%
HK$53,146
baseline
▲ 0.50% · 4.625%
HK$55,948
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,292/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,273
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,086
−HK$1,842/mo
Today · 4.125%
HK$61,928
baseline
▲ 0.50% · 4.625%
HK$65,696
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,856/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,829
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,567
−HK$1,764/mo
Today · 4.125%
HK$68,331
baseline
▲ 0.50% · 4.625%
HK$71,933
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,662/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,410 · Scale 2, in force from 26 Feb 2026)