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$32,384
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,391
−HK$1,023/mo
Today · 4.125%
HK$34,414
baseline
▲ 0.50% · 4.625%
HK$36,508
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,828/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,026
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,993
−HK$980/mo
Today · 4.125%
HK$37,973
baseline
▲ 0.50% · 4.625%
HK$39,974
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,946/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,860
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,069
−HK$1,228/mo
Today · 4.125%
HK$41,297
baseline
▲ 0.50% · 4.625%
HK$43,810
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,594/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,232
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,391
−HK$1,176/mo
Today · 4.125%
HK$45,567
baseline
▲ 0.50% · 4.625%
HK$47,969
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,134/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,337
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,747
−HK$1,433/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$51,112
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,437
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,790
−HK$1,372/mo
Today · 4.125%
HK$53,162
baseline
▲ 0.50% · 4.625%
HK$55,964
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,324/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,290
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,104
−HK$1,842/mo
Today · 4.125%
HK$61,946
baseline
▲ 0.50% · 4.625%
HK$65,715
+HK$3,769/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,892/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,848
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,587
−HK$1,764/mo
Today · 4.125%
HK$68,351
baseline
▲ 0.50% · 4.625%
HK$71,954
+HK$3,603/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,702/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,566 · Scale 2, in force from 26 Feb 2026)