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$32,427
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$1,025/mo
Today · 4.125%
HK$34,460
baseline
▲ 0.50% · 4.625%
HK$36,557
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,920/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,042
−HK$981/mo
Today · 4.125%
HK$38,023
baseline
▲ 0.50% · 4.625%
HK$40,027
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,046/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,912
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,122
−HK$1,230/mo
Today · 4.125%
HK$41,352
baseline
▲ 0.50% · 4.625%
HK$43,868
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,704/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,289
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,450
−HK$1,178/mo
Today · 4.125%
HK$45,628
baseline
▲ 0.50% · 4.625%
HK$48,033
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,256/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,397
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,809
−HK$1,435/mo
Today · 4.125%
HK$48,244
baseline
▲ 0.50% · 4.625%
HK$51,180
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,488/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,504
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,858
−HK$1,375/mo
Today · 4.125%
HK$53,233
baseline
▲ 0.50% · 4.625%
HK$56,038
+HK$2,805/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,466/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,368
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,183
−HK$1,845/mo
Today · 4.125%
HK$62,028
baseline
▲ 0.50% · 4.625%
HK$65,802
+HK$3,774/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,056/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,934
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,675
−HK$1,767/mo
Today · 4.125%
HK$68,442
baseline
▲ 0.50% · 4.625%
HK$72,049
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,884/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,272 · Scale 2, in force from 26 Feb 2026)