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$32,367
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,374
−HK$1,023/mo
Today · 4.125%
HK$34,397
baseline
▲ 0.50% · 4.625%
HK$36,490
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,794/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,008
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,974
−HK$980/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$39,954
+HK$2,000/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,841
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,227/mo
Today · 4.125%
HK$41,276
baseline
▲ 0.50% · 4.625%
HK$43,788
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,552/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,210
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,369
−HK$1,175/mo
Today · 4.125%
HK$45,544
baseline
▲ 0.50% · 4.625%
HK$47,945
+HK$2,401/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,088/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,314
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,724
−HK$1,432/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$51,086
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,412
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,764
−HK$1,371/mo
Today · 4.125%
HK$53,135
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,270/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,261
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,073
−HK$1,842/mo
Today · 4.125%
HK$61,915
baseline
▲ 0.50% · 4.625%
HK$65,682
+HK$3,767/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,830/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,815
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,553
−HK$1,764/mo
Today · 4.125%
HK$68,317
baseline
▲ 0.50% · 4.625%
HK$71,918
+HK$3,601/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,634/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,297 · Scale 2, in force from 26 Feb 2026)