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$32,405
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$1,024/mo
Today · 4.125%
HK$34,437
baseline
▲ 0.50% · 4.625%
HK$36,532
+HK$2,095/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,874/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,050
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,017
−HK$981/mo
Today · 4.125%
HK$37,998
baseline
▲ 0.50% · 4.625%
HK$40,001
+HK$2,003/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$75,996/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,886
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,095
−HK$1,229/mo
Today · 4.125%
HK$41,324
baseline
▲ 0.50% · 4.625%
HK$43,839
+HK$2,515/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$82,648/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,260
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,420
−HK$1,177/mo
Today · 4.125%
HK$45,597
baseline
▲ 0.50% · 4.625%
HK$48,001
+HK$2,404/mo
Deposit HK$5.68M · loan HK$8.53M · min. income ≈ HK$91,194/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,367
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,778
−HK$1,434/mo
Today · 4.125%
HK$48,212
baseline
▲ 0.50% · 4.625%
HK$51,145
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,424/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,470
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,824
−HK$1,373/mo
Today · 4.125%
HK$53,197
baseline
▲ 0.50% · 4.625%
HK$56,001
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,394/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$532,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,329
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,143
−HK$1,843/mo
Today · 4.125%
HK$61,986
baseline
▲ 0.50% · 4.625%
HK$65,758
+HK$3,772/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,972/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,890
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,630
−HK$1,766/mo
Today · 4.125%
HK$68,396
baseline
▲ 0.50% · 4.625%
HK$72,001
+HK$3,605/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,792/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,915 · Scale 2, in force from 26 Feb 2026)