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$32,372
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,379
−HK$1,023/mo
Today · 4.125%
HK$34,402
baseline
▲ 0.50% · 4.625%
HK$36,496
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,804/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,014
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,980
−HK$980/mo
Today · 4.125%
HK$37,960
baseline
▲ 0.50% · 4.625%
HK$39,961
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,920/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,847
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,055
−HK$1,228/mo
Today · 4.125%
HK$41,283
baseline
▲ 0.50% · 4.625%
HK$43,795
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,566/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,217
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,376
−HK$1,176/mo
Today · 4.125%
HK$45,552
baseline
▲ 0.50% · 4.625%
HK$47,953
+HK$2,401/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,104/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,321
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,731
−HK$1,432/mo
Today · 4.125%
HK$48,163
baseline
▲ 0.50% · 4.625%
HK$51,094
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,326/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,419
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,772
−HK$1,371/mo
Today · 4.125%
HK$53,143
baseline
▲ 0.50% · 4.625%
HK$55,945
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,286/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,270
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,083
−HK$1,841/mo
Today · 4.125%
HK$61,924
baseline
▲ 0.50% · 4.625%
HK$65,692
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,848/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,825
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,564
−HK$1,763/mo
Today · 4.125%
HK$68,327
baseline
▲ 0.50% · 4.625%
HK$71,929
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,654/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,380 · Scale 2, in force from 26 Feb 2026)