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$32,501
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,512
−HK$1,027/mo
Today · 4.125%
HK$34,539
baseline
▲ 0.50% · 4.625%
HK$36,641
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,078/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,157
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$983/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,119
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,001
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,214
−HK$1,233/mo
Today · 4.125%
HK$41,447
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,894/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,388
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,552
−HK$1,180/mo
Today · 4.125%
HK$45,732
baseline
▲ 0.50% · 4.625%
HK$48,143
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,464/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,501
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,917
−HK$1,438/mo
Today · 4.125%
HK$48,355
baseline
▲ 0.50% · 4.625%
HK$51,297
+HK$2,942/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,710/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,620
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,977
−HK$1,377/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,167
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,502
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,321
−HK$1,849/mo
Today · 4.125%
HK$62,170
baseline
▲ 0.50% · 4.625%
HK$65,953
+HK$3,783/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,340/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,082
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,828
−HK$1,771/mo
Today · 4.125%
HK$68,599
baseline
▲ 0.50% · 4.625%
HK$72,214
+HK$3,615/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,198/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,494 · Scale 2, in force from 26 Feb 2026)