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$32,388
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,395
−HK$1,024/mo
Today · 4.125%
HK$34,419
baseline
▲ 0.50% · 4.625%
HK$36,513
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,838/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,031
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$980/mo
Today · 4.125%
HK$37,978
baseline
▲ 0.50% · 4.625%
HK$39,980
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,956/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,866
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,075
−HK$1,228/mo
Today · 4.125%
HK$41,303
baseline
▲ 0.50% · 4.625%
HK$43,816
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,606/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,238
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,397
−HK$1,177/mo
Today · 4.125%
HK$45,574
baseline
▲ 0.50% · 4.625%
HK$47,976
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,148/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,343
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,754
−HK$1,433/mo
Today · 4.125%
HK$48,187
baseline
▲ 0.50% · 4.625%
HK$51,119
+HK$2,932/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,374/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,444
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,797
−HK$1,372/mo
Today · 4.125%
HK$53,169
baseline
▲ 0.50% · 4.625%
HK$55,972
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,338/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,298
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,112
−HK$1,842/mo
Today · 4.125%
HK$61,954
baseline
▲ 0.50% · 4.625%
HK$65,724
+HK$3,770/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,908/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,856
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,596
−HK$1,764/mo
Today · 4.125%
HK$68,360
baseline
▲ 0.50% · 4.625%
HK$71,964
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,720/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,638 · Scale 2, in force from 26 Feb 2026)