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$32,392
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$1,024/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,518
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,036
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$980/mo
Today · 4.125%
HK$37,983
baseline
▲ 0.50% · 4.625%
HK$39,985
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,966/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,871
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,080
−HK$1,228/mo
Today · 4.125%
HK$41,308
baseline
▲ 0.50% · 4.625%
HK$43,822
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,616/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,243
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,403
−HK$1,177/mo
Today · 4.125%
HK$45,580
baseline
▲ 0.50% · 4.625%
HK$47,982
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,160/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,349
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,760
−HK$1,433/mo
Today · 4.125%
HK$48,193
baseline
▲ 0.50% · 4.625%
HK$51,126
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,386/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,451
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,372/mo
Today · 4.125%
HK$53,176
baseline
▲ 0.50% · 4.625%
HK$55,979
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,352/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,306
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,120
−HK$1,843/mo
Today · 4.125%
HK$61,963
baseline
▲ 0.50% · 4.625%
HK$65,733
+HK$3,770/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,926/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,865
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,605
−HK$1,765/mo
Today · 4.125%
HK$68,370
baseline
▲ 0.50% · 4.625%
HK$71,973
+HK$3,603/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,740/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,709 · Scale 2, in force from 26 Feb 2026)