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$32,432
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$1,025/mo
Today · 4.125%
HK$34,466
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,932/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,081
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$982/mo
Today · 4.125%
HK$38,030
baseline
▲ 0.50% · 4.625%
HK$40,035
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,060/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,919
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,129
−HK$1,230/mo
Today · 4.125%
HK$41,359
baseline
▲ 0.50% · 4.625%
HK$43,876
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,718/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,297
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,458
−HK$1,178/mo
Today · 4.125%
HK$45,636
baseline
▲ 0.50% · 4.625%
HK$48,042
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,272/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,405
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,818
−HK$1,435/mo
Today · 4.125%
HK$48,253
baseline
▲ 0.50% · 4.625%
HK$51,189
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,506/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,513
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,868
−HK$1,374/mo
Today · 4.125%
HK$53,242
baseline
▲ 0.50% · 4.625%
HK$56,048
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,484/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,378
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,194
−HK$1,845/mo
Today · 4.125%
HK$62,039
baseline
▲ 0.50% · 4.625%
HK$65,814
+HK$3,775/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,078/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,945
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,687
−HK$1,767/mo
Today · 4.125%
HK$68,454
baseline
▲ 0.50% · 4.625%
HK$72,062
+HK$3,608/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,908/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,368 · Scale 2, in force from 26 Feb 2026)