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$32,389
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,396
−HK$1,024/mo
Today · 4.125%
HK$34,420
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,840/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,032
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$981/mo
Today · 4.125%
HK$37,979
baseline
▲ 0.50% · 4.625%
HK$39,981
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,958/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,866
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,075
−HK$1,229/mo
Today · 4.125%
HK$41,304
baseline
▲ 0.50% · 4.625%
HK$43,817
+HK$2,513/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,608/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,238
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,398
−HK$1,176/mo
Today · 4.125%
HK$45,574
baseline
▲ 0.50% · 4.625%
HK$47,977
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,148/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,344
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,754
−HK$1,433/mo
Today · 4.125%
HK$48,187
baseline
▲ 0.50% · 4.625%
HK$51,120
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,374/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,445
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,798
−HK$1,372/mo
Today · 4.125%
HK$53,170
baseline
▲ 0.50% · 4.625%
HK$55,973
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,340/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,299
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,113
−HK$1,842/mo
Today · 4.125%
HK$61,955
baseline
▲ 0.50% · 4.625%
HK$65,725
+HK$3,770/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,910/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,858
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,597
−HK$1,765/mo
Today · 4.125%
HK$68,362
baseline
▲ 0.50% · 4.625%
HK$71,965
+HK$3,603/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,724/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,647 · Scale 2, in force from 26 Feb 2026)