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$32,404
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,412
−HK$1,024/mo
Today · 4.125%
HK$34,436
baseline
▲ 0.50% · 4.625%
HK$36,531
+HK$2,095/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,872/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,049
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$981/mo
Today · 4.125%
HK$37,997
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$75,994/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,885
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,094
−HK$1,229/mo
Today · 4.125%
HK$41,323
baseline
▲ 0.50% · 4.625%
HK$43,838
+HK$2,515/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$82,646/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,259
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,419
−HK$1,177/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$47,999
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,365
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,777
−HK$1,433/mo
Today · 4.125%
HK$48,210
baseline
▲ 0.50% · 4.625%
HK$51,144
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,420/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,469
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,822
−HK$1,373/mo
Today · 4.125%
HK$53,195
baseline
▲ 0.50% · 4.625%
HK$55,999
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,390/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,327
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,141
−HK$1,844/mo
Today · 4.125%
HK$61,985
baseline
▲ 0.50% · 4.625%
HK$65,756
+HK$3,771/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,970/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,888
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,629
−HK$1,765/mo
Today · 4.125%
HK$68,394
baseline
▲ 0.50% · 4.625%
HK$71,999
+HK$3,605/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,788/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,900 · Scale 2, in force from 26 Feb 2026)