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$32,523
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$1,027/mo
Today · 4.125%
HK$34,562
baseline
▲ 0.50% · 4.625%
HK$36,665
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,124/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,181
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,152
−HK$984/mo
Today · 4.125%
HK$38,136
baseline
▲ 0.50% · 4.625%
HK$40,146
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,272/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,027
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,241
−HK$1,234/mo
Today · 4.125%
HK$41,475
baseline
▲ 0.50% · 4.625%
HK$43,998
+HK$2,523/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,950/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,418
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,582
−HK$1,181/mo
Today · 4.125%
HK$45,763
baseline
▲ 0.50% · 4.625%
HK$48,176
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,526/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,532
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,948
−HK$1,439/mo
Today · 4.125%
HK$48,387
baseline
▲ 0.50% · 4.625%
HK$51,332
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,774/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,654
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,012
−HK$1,379/mo
Today · 4.125%
HK$53,391
baseline
▲ 0.50% · 4.625%
HK$56,205
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,782/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,541
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,362
−HK$1,850/mo
Today · 4.125%
HK$62,212
baseline
▲ 0.50% · 4.625%
HK$65,998
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,424/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,126
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,873
−HK$1,772/mo
Today · 4.125%
HK$68,645
baseline
▲ 0.50% · 4.625%
HK$72,263
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,290/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,856 · Scale 2, in force from 26 Feb 2026)