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$32,396
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,404
−HK$1,023/mo
Today · 4.125%
HK$34,427
baseline
▲ 0.50% · 4.625%
HK$36,522
+HK$2,095/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,854/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,040
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,007
−HK$980/mo
Today · 4.125%
HK$37,987
baseline
▲ 0.50% · 4.625%
HK$39,990
+HK$2,003/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,974/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,875
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,084
−HK$1,229/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,827
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,248
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,408
−HK$1,177/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$47,988
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,354
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,765
−HK$1,433/mo
Today · 4.125%
HK$48,198
baseline
▲ 0.50% · 4.625%
HK$51,131
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,396/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,456
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,809
−HK$1,373/mo
Today · 4.125%
HK$53,182
baseline
▲ 0.50% · 4.625%
HK$55,986
+HK$2,804/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,364/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,313
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,127
−HK$1,842/mo
Today · 4.125%
HK$61,969
baseline
▲ 0.50% · 4.625%
HK$65,740
+HK$3,771/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,938/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,872
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,612
−HK$1,765/mo
Today · 4.125%
HK$68,377
baseline
▲ 0.50% · 4.625%
HK$71,981
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,754/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,769 · Scale 2, in force from 26 Feb 2026)