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$32,513
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,524
−HK$1,028/mo
Today · 4.125%
HK$34,552
baseline
▲ 0.50% · 4.625%
HK$36,654
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,104/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,170
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,140
−HK$985/mo
Today · 4.125%
HK$38,125
baseline
▲ 0.50% · 4.625%
HK$40,134
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,250/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,016
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,229
−HK$1,233/mo
Today · 4.125%
HK$41,462
baseline
▲ 0.50% · 4.625%
HK$43,985
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,924/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,404
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,569
−HK$1,180/mo
Today · 4.125%
HK$45,749
baseline
▲ 0.50% · 4.625%
HK$48,161
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,498/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,518
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,934
−HK$1,439/mo
Today · 4.125%
HK$48,373
baseline
▲ 0.50% · 4.625%
HK$51,316
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,746/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,639
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,997
−HK$1,377/mo
Today · 4.125%
HK$53,374
baseline
▲ 0.50% · 4.625%
HK$56,188
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,748/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,523
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,344
−HK$1,849/mo
Today · 4.125%
HK$62,193
baseline
▲ 0.50% · 4.625%
HK$65,978
+HK$3,785/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,386/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,107
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,853
−HK$1,771/mo
Today · 4.125%
HK$68,624
baseline
▲ 0.50% · 4.625%
HK$72,241
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,248/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,693 · Scale 2, in force from 26 Feb 2026)