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$32,361
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,367
−HK$1,023/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,483
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,966
−HK$980/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$39,946
+HK$2,000/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,833
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,041
−HK$1,227/mo
Today · 4.125%
HK$41,268
baseline
▲ 0.50% · 4.625%
HK$43,779
+HK$2,511/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,536/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,201
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,360
−HK$1,175/mo
Today · 4.125%
HK$45,535
baseline
▲ 0.50% · 4.625%
HK$47,935
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,070/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,305
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,714
−HK$1,432/mo
Today · 4.125%
HK$48,146
baseline
▲ 0.50% · 4.625%
HK$51,076
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,292/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,401
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,753
−HK$1,371/mo
Today · 4.125%
HK$53,124
baseline
▲ 0.50% · 4.625%
HK$55,925
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,248/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,249
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,061
−HK$1,841/mo
Today · 4.125%
HK$61,902
baseline
▲ 0.50% · 4.625%
HK$65,669
+HK$3,767/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,804/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,802
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,540
−HK$1,763/mo
Today · 4.125%
HK$68,303
baseline
▲ 0.50% · 4.625%
HK$71,903
+HK$3,600/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,606/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,189 · Scale 2, in force from 26 Feb 2026)