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$32,419
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$1,024/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,548
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,033
−HK$981/mo
Today · 4.125%
HK$38,014
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,028/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,112
−HK$1,230/mo
Today · 4.125%
HK$41,342
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,515/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,684/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,278
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,178/mo
Today · 4.125%
HK$45,617
baseline
▲ 0.50% · 4.625%
HK$48,021
+HK$2,404/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,234/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,386
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,798
−HK$1,434/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$51,167
+HK$2,935/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,491
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,846
−HK$1,373/mo
Today · 4.125%
HK$53,219
baseline
▲ 0.50% · 4.625%
HK$56,025
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,438/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,353
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,169
−HK$1,844/mo
Today · 4.125%
HK$62,013
baseline
▲ 0.50% · 4.625%
HK$65,786
+HK$3,773/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,026/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,918
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,659
−HK$1,766/mo
Today · 4.125%
HK$68,425
baseline
▲ 0.50% · 4.625%
HK$72,032
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,850/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,141 · Scale 2, in force from 26 Feb 2026)