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$32,391
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,398
−HK$1,024/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,516
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,034
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,001
−HK$980/mo
Today · 4.125%
HK$37,981
baseline
▲ 0.50% · 4.625%
HK$39,983
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,962/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,869
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,078
−HK$1,228/mo
Today · 4.125%
HK$41,306
baseline
▲ 0.50% · 4.625%
HK$43,820
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,612/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,241
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,401
−HK$1,176/mo
Today · 4.125%
HK$45,577
baseline
▲ 0.50% · 4.625%
HK$47,980
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,154/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,347
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,758
−HK$1,433/mo
Today · 4.125%
HK$48,191
baseline
▲ 0.50% · 4.625%
HK$51,123
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,382/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,448
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,801
−HK$1,373/mo
Today · 4.125%
HK$53,174
baseline
▲ 0.50% · 4.625%
HK$55,977
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,348/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,303
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,117
−HK$1,842/mo
Today · 4.125%
HK$61,959
baseline
▲ 0.50% · 4.625%
HK$65,730
+HK$3,771/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,918/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,862
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,601
−HK$1,765/mo
Today · 4.125%
HK$68,366
baseline
▲ 0.50% · 4.625%
HK$71,970
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,732/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,683 · Scale 2, in force from 26 Feb 2026)