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$32,442
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,451
−HK$1,025/mo
Today · 4.125%
HK$34,476
baseline
▲ 0.50% · 4.625%
HK$36,574
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,952/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,091
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,059
−HK$982/mo
Today · 4.125%
HK$38,041
baseline
▲ 0.50% · 4.625%
HK$40,046
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,082/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,930
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,141
−HK$1,231/mo
Today · 4.125%
HK$41,372
baseline
▲ 0.50% · 4.625%
HK$43,889
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,744/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,310
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,471
−HK$1,179/mo
Today · 4.125%
HK$45,650
baseline
▲ 0.50% · 4.625%
HK$48,056
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,300/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,419
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,832
−HK$1,435/mo
Today · 4.125%
HK$48,267
baseline
▲ 0.50% · 4.625%
HK$51,204
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,534/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,528
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,883
−HK$1,375/mo
Today · 4.125%
HK$53,258
baseline
▲ 0.50% · 4.625%
HK$56,065
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,516/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,396
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,212
−HK$1,845/mo
Today · 4.125%
HK$62,057
baseline
▲ 0.50% · 4.625%
HK$65,834
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,114/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,964
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,707
−HK$1,767/mo
Today · 4.125%
HK$68,474
baseline
▲ 0.50% · 4.625%
HK$72,084
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,948/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,526 · Scale 2, in force from 26 Feb 2026)