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$32,387
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,395
−HK$1,023/mo
Today · 4.125%
HK$34,418
baseline
▲ 0.50% · 4.625%
HK$36,513
+HK$2,095/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,836/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,031
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,997
−HK$980/mo
Today · 4.125%
HK$37,977
baseline
▲ 0.50% · 4.625%
HK$39,979
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,954/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,865
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,074
−HK$1,228/mo
Today · 4.125%
HK$41,302
baseline
▲ 0.50% · 4.625%
HK$43,815
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,604/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,237
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,396
−HK$1,177/mo
Today · 4.125%
HK$45,573
baseline
▲ 0.50% · 4.625%
HK$47,975
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,146/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,342
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,753
−HK$1,433/mo
Today · 4.125%
HK$48,186
baseline
▲ 0.50% · 4.625%
HK$51,118
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,372/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,443
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,796
−HK$1,372/mo
Today · 4.125%
HK$53,168
baseline
▲ 0.50% · 4.625%
HK$55,971
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,336/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,297
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,111
−HK$1,842/mo
Today · 4.125%
HK$61,953
baseline
▲ 0.50% · 4.625%
HK$65,723
+HK$3,770/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,906/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,855
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,595
−HK$1,764/mo
Today · 4.125%
HK$68,359
baseline
▲ 0.50% · 4.625%
HK$71,962
+HK$3,603/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,718/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,628 · Scale 2, in force from 26 Feb 2026)