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$32,407
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$1,024/mo
Today · 4.125%
HK$34,439
baseline
▲ 0.50% · 4.625%
HK$36,535
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,878/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,053
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$980/mo
Today · 4.125%
HK$38,000
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,000/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,889
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,098
−HK$1,229/mo
Today · 4.125%
HK$41,327
baseline
▲ 0.50% · 4.625%
HK$43,842
+HK$2,515/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$82,654/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,263
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,423
−HK$1,178/mo
Today · 4.125%
HK$45,601
baseline
▲ 0.50% · 4.625%
HK$48,004
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$91,202/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,370
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,781
−HK$1,434/mo
Today · 4.125%
HK$48,215
baseline
▲ 0.50% · 4.625%
HK$51,149
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,430/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,474
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,827
−HK$1,374/mo
Today · 4.125%
HK$53,201
baseline
▲ 0.50% · 4.625%
HK$56,005
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,402/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,333
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,147
−HK$1,844/mo
Today · 4.125%
HK$61,991
baseline
▲ 0.50% · 4.625%
HK$65,763
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,982/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,895
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,635
−HK$1,766/mo
Today · 4.125%
HK$68,401
baseline
▲ 0.50% · 4.625%
HK$72,006
+HK$3,605/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,802/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,953 · Scale 2, in force from 26 Feb 2026)