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$32,447
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,456
−HK$1,025/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,097
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,065
−HK$982/mo
Today · 4.125%
HK$38,047
baseline
▲ 0.50% · 4.625%
HK$40,052
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,094/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,936
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,231/mo
Today · 4.125%
HK$41,378
baseline
▲ 0.50% · 4.625%
HK$43,895
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,756/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,316
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,478
−HK$1,178/mo
Today · 4.125%
HK$45,656
baseline
▲ 0.50% · 4.625%
HK$48,063
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,312/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,425
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,838
−HK$1,436/mo
Today · 4.125%
HK$48,274
baseline
▲ 0.50% · 4.625%
HK$51,211
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,548/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,535
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,891
−HK$1,375/mo
Today · 4.125%
HK$53,266
baseline
▲ 0.50% · 4.625%
HK$56,073
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,532/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,404
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,221
−HK$1,845/mo
Today · 4.125%
HK$62,066
baseline
▲ 0.50% · 4.625%
HK$65,843
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,132/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,974
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,716
−HK$1,768/mo
Today · 4.125%
HK$68,484
baseline
▲ 0.50% · 4.625%
HK$72,094
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,968/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,603 · Scale 2, in force from 26 Feb 2026)