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$32,381
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,388
−HK$1,023/mo
Today · 4.125%
HK$34,411
baseline
▲ 0.50% · 4.625%
HK$36,505
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,822/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,023
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,989
−HK$980/mo
Today · 4.125%
HK$37,969
baseline
▲ 0.50% · 4.625%
HK$39,971
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,938/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,857
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,065
−HK$1,228/mo
Today · 4.125%
HK$41,293
baseline
▲ 0.50% · 4.625%
HK$43,806
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,586/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,228
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,387
−HK$1,176/mo
Today · 4.125%
HK$45,563
baseline
▲ 0.50% · 4.625%
HK$47,965
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,126/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,333
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,743
−HK$1,433/mo
Today · 4.125%
HK$48,176
baseline
▲ 0.50% · 4.625%
HK$51,107
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,352/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,432
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,785
−HK$1,372/mo
Today · 4.125%
HK$53,157
baseline
▲ 0.50% · 4.625%
HK$55,959
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,314/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,285
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,098
−HK$1,842/mo
Today · 4.125%
HK$61,940
baseline
▲ 0.50% · 4.625%
HK$65,709
+HK$3,769/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,880/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,842
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,581
−HK$1,764/mo
Today · 4.125%
HK$68,345
baseline
▲ 0.50% · 4.625%
HK$71,947
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,690/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,517 · Scale 2, in force from 26 Feb 2026)