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$32,530
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,542
−HK$1,028/mo
Today · 4.125%
HK$34,570
baseline
▲ 0.50% · 4.625%
HK$36,673
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,140/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,189
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,160
−HK$984/mo
Today · 4.125%
HK$38,144
baseline
▲ 0.50% · 4.625%
HK$40,155
+HK$2,011/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,288/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,036
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,250
−HK$1,234/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$44,008
+HK$2,524/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,427
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,592
−HK$1,181/mo
Today · 4.125%
HK$45,773
baseline
▲ 0.50% · 4.625%
HK$48,186
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,546/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,542
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,440/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$51,343
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,796/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,665
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,024
−HK$1,378/mo
Today · 4.125%
HK$53,402
baseline
▲ 0.50% · 4.625%
HK$56,217
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,804/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,554
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,375
−HK$1,851/mo
Today · 4.125%
HK$62,226
baseline
▲ 0.50% · 4.625%
HK$66,012
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,452/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,141
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,888
−HK$1,772/mo
Today · 4.125%
HK$68,660
baseline
▲ 0.50% · 4.625%
HK$72,279
+HK$3,619/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,320/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,972 · Scale 2, in force from 26 Feb 2026)