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$32,377
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,384
−HK$1,024/mo
Today · 4.125%
HK$34,408
baseline
▲ 0.50% · 4.625%
HK$36,501
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,816/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,019
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,985
−HK$980/mo
Today · 4.125%
HK$37,965
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,930/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,853
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,061
−HK$1,228/mo
Today · 4.125%
HK$41,289
baseline
▲ 0.50% · 4.625%
HK$43,801
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,578/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,223
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,382
−HK$1,176/mo
Today · 4.125%
HK$45,558
baseline
▲ 0.50% · 4.625%
HK$47,960
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,116/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,328
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,738
−HK$1,433/mo
Today · 4.125%
HK$48,171
baseline
▲ 0.50% · 4.625%
HK$51,102
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,342/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,427
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,780
−HK$1,372/mo
Today · 4.125%
HK$53,152
baseline
▲ 0.50% · 4.625%
HK$55,953
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,304/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,279
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,092
−HK$1,842/mo
Today · 4.125%
HK$61,934
baseline
▲ 0.50% · 4.625%
HK$65,702
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,868/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,835
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,574
−HK$1,764/mo
Today · 4.125%
HK$68,338
baseline
▲ 0.50% · 4.625%
HK$71,940
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,676/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,461 · Scale 2, in force from 26 Feb 2026)