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$32,409
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$1,024/mo
Today · 4.125%
HK$34,441
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,882/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,054
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,021
−HK$981/mo
Today · 4.125%
HK$38,002
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,004/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,890
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,100
−HK$1,229/mo
Today · 4.125%
HK$41,329
baseline
▲ 0.50% · 4.625%
HK$43,844
+HK$2,515/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,658/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,265
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,425
−HK$1,178/mo
Today · 4.125%
HK$45,603
baseline
▲ 0.50% · 4.625%
HK$48,006
+HK$2,403/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,206/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,372
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,783
−HK$1,434/mo
Today · 4.125%
HK$48,217
baseline
▲ 0.50% · 4.625%
HK$51,151
+HK$2,934/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,434/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,476
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,830
−HK$1,373/mo
Today · 4.125%
HK$53,203
baseline
▲ 0.50% · 4.625%
HK$56,007
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,406/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,335
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,150
−HK$1,844/mo
Today · 4.125%
HK$61,994
baseline
▲ 0.50% · 4.625%
HK$65,766
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,988/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,898
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,638
−HK$1,766/mo
Today · 4.125%
HK$68,404
baseline
▲ 0.50% · 4.625%
HK$72,009
+HK$3,605/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,808/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,976 · Scale 2, in force from 26 Feb 2026)