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$32,428
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,437
−HK$1,025/mo
Today · 4.125%
HK$34,462
baseline
▲ 0.50% · 4.625%
HK$36,559
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,924/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,076
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,044
−HK$981/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,030
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,125
−HK$1,229/mo
Today · 4.125%
HK$41,354
baseline
▲ 0.50% · 4.625%
HK$43,871
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,708/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,292
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,453
−HK$1,178/mo
Today · 4.125%
HK$45,631
baseline
▲ 0.50% · 4.625%
HK$48,036
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,262/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,400
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,812
−HK$1,435/mo
Today · 4.125%
HK$48,247
baseline
▲ 0.50% · 4.625%
HK$51,183
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,494/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,507
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,861
−HK$1,375/mo
Today · 4.125%
HK$53,236
baseline
▲ 0.50% · 4.625%
HK$56,042
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,472/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,371
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,187
−HK$1,845/mo
Today · 4.125%
HK$62,032
baseline
▲ 0.50% · 4.625%
HK$65,806
+HK$3,774/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,064/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,937
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,679
−HK$1,767/mo
Today · 4.125%
HK$68,446
baseline
▲ 0.50% · 4.625%
HK$72,054
+HK$3,608/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,892/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,304 · Scale 2, in force from 26 Feb 2026)