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$32,380
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,387
−HK$1,024/mo
Today · 4.125%
HK$34,411
baseline
▲ 0.50% · 4.625%
HK$36,504
+HK$2,093/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$532,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,022
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,989
−HK$980/mo
Today · 4.125%
HK$37,969
baseline
▲ 0.50% · 4.625%
HK$39,970
+HK$2,001/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$532,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,856
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,065
−HK$1,228/mo
Today · 4.125%
HK$41,293
baseline
▲ 0.50% · 4.625%
HK$43,805
+HK$2,512/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$532,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,227
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,386
−HK$1,176/mo
Today · 4.125%
HK$45,562
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,124/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,332
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,742
−HK$1,433/mo
Today · 4.125%
HK$48,175
baseline
▲ 0.50% · 4.625%
HK$51,106
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,350/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,431
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,784
−HK$1,372/mo
Today · 4.125%
HK$53,156
baseline
▲ 0.50% · 4.625%
HK$55,958
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,312/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,284
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,097
−HK$1,842/mo
Today · 4.125%
HK$61,939
baseline
▲ 0.50% · 4.625%
HK$65,708
+HK$3,769/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,878/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,840
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,579
−HK$1,765/mo
Today · 4.125%
HK$68,344
baseline
▲ 0.50% · 4.625%
HK$71,946
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,688/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,507 · Scale 2, in force from 26 Feb 2026)