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$32,436
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,444
−HK$1,026/mo
Today · 4.125%
HK$34,470
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,940/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,084
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,052
−HK$982/mo
Today · 4.125%
HK$38,034
baseline
▲ 0.50% · 4.625%
HK$40,039
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,068/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,923
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,133
−HK$1,230/mo
Today · 4.125%
HK$41,363
baseline
▲ 0.50% · 4.625%
HK$43,880
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,726/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,301
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,462
−HK$1,178/mo
Today · 4.125%
HK$45,640
baseline
▲ 0.50% · 4.625%
HK$48,046
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,280/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,410
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,822
−HK$1,435/mo
Today · 4.125%
HK$48,257
baseline
▲ 0.50% · 4.625%
HK$51,194
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,514/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,518
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,873
−HK$1,374/mo
Today · 4.125%
HK$53,247
baseline
▲ 0.50% · 4.625%
HK$56,054
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,494/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,384
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,200
−HK$1,845/mo
Today · 4.125%
HK$62,045
baseline
▲ 0.50% · 4.625%
HK$65,820
+HK$3,775/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,090/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,952
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,694
−HK$1,767/mo
Today · 4.125%
HK$68,461
baseline
▲ 0.50% · 4.625%
HK$72,069
+HK$3,608/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,922/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,420 · Scale 2, in force from 26 Feb 2026)