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$32,422
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$1,024/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,552
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,069
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,037
−HK$981/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,022
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,907
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,117
−HK$1,229/mo
Today · 4.125%
HK$41,346
baseline
▲ 0.50% · 4.625%
HK$43,862
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,692/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,283
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,444
−HK$1,178/mo
Today · 4.125%
HK$45,622
baseline
▲ 0.50% · 4.625%
HK$48,026
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,244/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,391
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,803
−HK$1,434/mo
Today · 4.125%
HK$48,237
baseline
▲ 0.50% · 4.625%
HK$51,173
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,474/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,497
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,851
−HK$1,374/mo
Today · 4.125%
HK$53,225
baseline
▲ 0.50% · 4.625%
HK$56,031
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,450/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,360
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,175
−HK$1,845/mo
Today · 4.125%
HK$62,020
baseline
▲ 0.50% · 4.625%
HK$65,793
+HK$3,773/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,040/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,925
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,666
−HK$1,767/mo
Today · 4.125%
HK$68,433
baseline
▲ 0.50% · 4.625%
HK$72,040
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,866/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,200 · Scale 2, in force from 26 Feb 2026)