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$32,361
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$1,022/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,483
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,967
−HK$979/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$39,947
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,833
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,041
−HK$1,228/mo
Today · 4.125%
HK$41,269
baseline
▲ 0.50% · 4.625%
HK$43,780
+HK$2,511/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,538/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,202
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,360
−HK$1,176/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$47,936
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,306
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,715
−HK$1,432/mo
Today · 4.125%
HK$48,147
baseline
▲ 0.50% · 4.625%
HK$51,076
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,294/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,402
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,754
−HK$1,371/mo
Today · 4.125%
HK$53,125
baseline
▲ 0.50% · 4.625%
HK$55,925
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,250/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,250
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,062
−HK$1,841/mo
Today · 4.125%
HK$61,903
baseline
▲ 0.50% · 4.625%
HK$65,669
+HK$3,766/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,806/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,803
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,541
−HK$1,763/mo
Today · 4.125%
HK$68,304
baseline
▲ 0.50% · 4.625%
HK$71,904
+HK$3,600/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,608/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,196 · Scale 2, in force from 26 Feb 2026)