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$32,402
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,410
−HK$1,024/mo
Today · 4.125%
HK$34,434
baseline
▲ 0.50% · 4.625%
HK$36,529
+HK$2,095/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,868/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,047
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,014
−HK$980/mo
Today · 4.125%
HK$37,994
baseline
▲ 0.50% · 4.625%
HK$39,997
+HK$2,003/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,988/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,092
−HK$1,229/mo
Today · 4.125%
HK$41,321
baseline
▲ 0.50% · 4.625%
HK$43,835
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$82,642/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,256
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,416
−HK$1,177/mo
Today · 4.125%
HK$45,593
baseline
▲ 0.50% · 4.625%
HK$47,997
+HK$2,404/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$91,186/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,363
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,774
−HK$1,433/mo
Today · 4.125%
HK$48,207
baseline
▲ 0.50% · 4.625%
HK$51,141
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,414/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,466
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,819
−HK$1,373/mo
Today · 4.125%
HK$53,192
baseline
▲ 0.50% · 4.625%
HK$55,996
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,384/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,324
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,138
−HK$1,843/mo
Today · 4.125%
HK$61,981
baseline
▲ 0.50% · 4.625%
HK$65,752
+HK$3,771/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,962/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,884
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,625
−HK$1,765/mo
Today · 4.125%
HK$68,390
baseline
▲ 0.50% · 4.625%
HK$71,995
+HK$3,605/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,780/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,869 · Scale 2, in force from 26 Feb 2026)