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$32,430
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,438
−HK$1,025/mo
Today · 4.125%
HK$34,463
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,926/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,078
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,045
−HK$982/mo
Today · 4.125%
HK$38,027
baseline
▲ 0.50% · 4.625%
HK$40,031
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,054/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,126
−HK$1,230/mo
Today · 4.125%
HK$41,356
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,712/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,293
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,454
−HK$1,178/mo
Today · 4.125%
HK$45,632
baseline
▲ 0.50% · 4.625%
HK$48,037
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,264/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,401
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,814
−HK$1,435/mo
Today · 4.125%
HK$48,249
baseline
▲ 0.50% · 4.625%
HK$51,184
+HK$2,935/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,498/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,509
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,863
−HK$1,375/mo
Today · 4.125%
HK$53,238
baseline
▲ 0.50% · 4.625%
HK$56,044
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,476/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,373
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,189
−HK$1,845/mo
Today · 4.125%
HK$62,034
baseline
▲ 0.50% · 4.625%
HK$65,808
+HK$3,774/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,068/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,940
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,681
−HK$1,767/mo
Today · 4.125%
HK$68,448
baseline
▲ 0.50% · 4.625%
HK$72,056
+HK$3,608/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,896/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,322 · Scale 2, in force from 26 Feb 2026)