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$32,401
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,409
−HK$1,024/mo
Today · 4.125%
HK$34,433
baseline
▲ 0.50% · 4.625%
HK$36,528
+HK$2,095/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,866/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,046
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,013
−HK$980/mo
Today · 4.125%
HK$37,993
baseline
▲ 0.50% · 4.625%
HK$39,996
+HK$2,003/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,986/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,881
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,091
−HK$1,228/mo
Today · 4.125%
HK$41,319
baseline
▲ 0.50% · 4.625%
HK$43,834
+HK$2,515/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$82,638/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,255
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,415
−HK$1,177/mo
Today · 4.125%
HK$45,592
baseline
▲ 0.50% · 4.625%
HK$47,995
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$91,184/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,361
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,772
−HK$1,434/mo
Today · 4.125%
HK$48,206
baseline
▲ 0.50% · 4.625%
HK$51,139
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,412/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,464
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,818
−HK$1,373/mo
Today · 4.125%
HK$53,191
baseline
▲ 0.50% · 4.625%
HK$55,994
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,382/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,322
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,136
−HK$1,843/mo
Today · 4.125%
HK$61,979
baseline
▲ 0.50% · 4.625%
HK$65,750
+HK$3,771/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,958/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,883
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,623
−HK$1,765/mo
Today · 4.125%
HK$68,388
baseline
▲ 0.50% · 4.625%
HK$71,993
+HK$3,605/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,776/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,853 · Scale 2, in force from 26 Feb 2026)