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$32,357
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,364
−HK$1,022/mo
Today · 4.125%
HK$34,386
baseline
▲ 0.50% · 4.625%
HK$36,479
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,772/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,997
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,963
−HK$979/mo
Today · 4.125%
HK$37,942
baseline
▲ 0.50% · 4.625%
HK$39,942
+HK$2,000/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,884/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,829
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,036
−HK$1,228/mo
Today · 4.125%
HK$41,264
baseline
▲ 0.50% · 4.625%
HK$43,774
+HK$2,510/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$82,528/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,197
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,355
−HK$1,175/mo
Today · 4.125%
HK$45,530
baseline
▲ 0.50% · 4.625%
HK$47,930
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$91,060/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,300
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,709
−HK$1,432/mo
Today · 4.125%
HK$48,141
baseline
▲ 0.50% · 4.625%
HK$51,070
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,282/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,396
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,748
−HK$1,371/mo
Today · 4.125%
HK$53,119
baseline
▲ 0.50% · 4.625%
HK$55,919
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,238/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,243
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,055
−HK$1,840/mo
Today · 4.125%
HK$61,895
baseline
▲ 0.50% · 4.625%
HK$65,662
+HK$3,767/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,790/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,795
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,533
−HK$1,762/mo
Today · 4.125%
HK$68,295
baseline
▲ 0.50% · 4.625%
HK$71,895
+HK$3,600/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,590/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,132 · Scale 2, in force from 26 Feb 2026)