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$32,423
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$1,024/mo
Today · 4.125%
HK$34,456
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,912/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,070
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$981/mo
Today · 4.125%
HK$38,019
baseline
▲ 0.50% · 4.625%
HK$40,023
+HK$2,004/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,038/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,908
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,118
−HK$1,230/mo
Today · 4.125%
HK$41,348
baseline
▲ 0.50% · 4.625%
HK$43,863
+HK$2,515/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,696/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,284
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,445
−HK$1,178/mo
Today · 4.125%
HK$45,623
baseline
▲ 0.50% · 4.625%
HK$48,028
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,246/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,392
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,804
−HK$1,435/mo
Today · 4.125%
HK$48,239
baseline
▲ 0.50% · 4.625%
HK$51,174
+HK$2,935/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,478/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,498
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,853
−HK$1,374/mo
Today · 4.125%
HK$53,227
baseline
▲ 0.50% · 4.625%
HK$56,032
+HK$2,805/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,454/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,362
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,177
−HK$1,844/mo
Today · 4.125%
HK$62,021
baseline
▲ 0.50% · 4.625%
HK$65,795
+HK$3,774/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,042/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,927
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,668
−HK$1,766/mo
Today · 4.125%
HK$68,434
baseline
▲ 0.50% · 4.625%
HK$72,042
+HK$3,608/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,868/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,214 · Scale 2, in force from 26 Feb 2026)