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$32,420
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$1,025/mo
Today · 4.125%
HK$34,453
baseline
▲ 0.50% · 4.625%
HK$36,549
+HK$2,096/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,906/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,066
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,034
−HK$981/mo
Today · 4.125%
HK$38,015
baseline
▲ 0.50% · 4.625%
HK$40,019
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,030/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,903
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,114
−HK$1,229/mo
Today · 4.125%
HK$41,343
baseline
▲ 0.50% · 4.625%
HK$43,859
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,686/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,280
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,178/mo
Today · 4.125%
HK$45,618
baseline
▲ 0.50% · 4.625%
HK$48,023
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,236/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,387
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,799
−HK$1,435/mo
Today · 4.125%
HK$48,234
baseline
▲ 0.50% · 4.625%
HK$51,168
+HK$2,934/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,468/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,493
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,847
−HK$1,374/mo
Today · 4.125%
HK$53,221
baseline
▲ 0.50% · 4.625%
HK$56,026
+HK$2,805/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,442/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,355
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,170
−HK$1,845/mo
Today · 4.125%
HK$62,015
baseline
▲ 0.50% · 4.625%
HK$65,788
+HK$3,773/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,030/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,920
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,661
−HK$1,766/mo
Today · 4.125%
HK$68,427
baseline
▲ 0.50% · 4.625%
HK$72,034
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,854/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$533,157 · Scale 2, in force from 26 Feb 2026)