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$32,440
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,449
−HK$1,025/mo
Today · 4.125%
HK$34,474
baseline
▲ 0.50% · 4.625%
HK$36,571
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,948/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,089
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,057
−HK$981/mo
Today · 4.125%
HK$38,038
baseline
▲ 0.50% · 4.625%
HK$40,043
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,076/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,138
−HK$1,231/mo
Today · 4.125%
HK$41,369
baseline
▲ 0.50% · 4.625%
HK$43,886
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,738/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,306
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,468
−HK$1,178/mo
Today · 4.125%
HK$45,646
baseline
▲ 0.50% · 4.625%
HK$48,052
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,292/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,415
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,828
−HK$1,435/mo
Today · 4.125%
HK$48,263
baseline
▲ 0.50% · 4.625%
HK$51,200
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,526/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,524
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,879
−HK$1,375/mo
Today · 4.125%
HK$53,254
baseline
▲ 0.50% · 4.625%
HK$56,061
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,508/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,391
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,207
−HK$1,846/mo
Today · 4.125%
HK$62,053
baseline
▲ 0.50% · 4.625%
HK$65,829
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,106/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,960
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,702
−HK$1,767/mo
Today · 4.125%
HK$68,469
baseline
▲ 0.50% · 4.625%
HK$72,078
+HK$3,609/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,938/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,485 · Scale 2, in force from 26 Feb 2026)