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$32,378
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$1,023/mo
Today · 4.125%
HK$34,408
baseline
▲ 0.50% · 4.625%
HK$36,502
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,816/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,020
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,986
−HK$980/mo
Today · 4.125%
HK$37,966
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,932/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,854
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,062
−HK$1,228/mo
Today · 4.125%
HK$41,290
baseline
▲ 0.50% · 4.625%
HK$43,802
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,580/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,224
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,383
−HK$1,176/mo
Today · 4.125%
HK$45,559
baseline
▲ 0.50% · 4.625%
HK$47,961
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,118/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,329
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,739
−HK$1,433/mo
Today · 4.125%
HK$48,172
baseline
▲ 0.50% · 4.625%
HK$51,103
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,344/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,428
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,781
−HK$1,372/mo
Today · 4.125%
HK$53,153
baseline
▲ 0.50% · 4.625%
HK$55,954
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,306/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,280
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,093
−HK$1,842/mo
Today · 4.125%
HK$61,935
baseline
▲ 0.50% · 4.625%
HK$65,704
+HK$3,769/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,870/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,836
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,575
−HK$1,764/mo
Today · 4.125%
HK$68,339
baseline
▲ 0.50% · 4.625%
HK$71,941
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,678/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,472 · Scale 2, in force from 26 Feb 2026)