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$32,362
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,369
−HK$1,022/mo
Today · 4.125%
HK$34,391
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,782/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,002
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,968
−HK$979/mo
Today · 4.125%
HK$37,947
baseline
▲ 0.50% · 4.625%
HK$39,948
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,894/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,834
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,042
−HK$1,228/mo
Today · 4.125%
HK$41,270
baseline
▲ 0.50% · 4.625%
HK$43,781
+HK$2,511/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,540/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,203
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,362
−HK$1,175/mo
Today · 4.125%
HK$45,537
baseline
▲ 0.50% · 4.625%
HK$47,937
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,074/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,307
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,716
−HK$1,432/mo
Today · 4.125%
HK$48,148
baseline
▲ 0.50% · 4.625%
HK$51,078
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,296/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,403
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,755
−HK$1,371/mo
Today · 4.125%
HK$53,126
baseline
▲ 0.50% · 4.625%
HK$55,927
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,252/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,252
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,064
−HK$1,840/mo
Today · 4.125%
HK$61,904
baseline
▲ 0.50% · 4.625%
HK$65,671
+HK$3,767/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,808/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,804
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,542
−HK$1,763/mo
Today · 4.125%
HK$68,305
baseline
▲ 0.50% · 4.625%
HK$71,906
+HK$3,601/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,610/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,210 · Scale 2, in force from 26 Feb 2026)