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$32,515
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,527
−HK$1,027/mo
Today · 4.125%
HK$34,554
baseline
▲ 0.50% · 4.625%
HK$36,657
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,108/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,173
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,143
−HK$984/mo
Today · 4.125%
HK$38,127
baseline
▲ 0.50% · 4.625%
HK$40,137
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,254/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,018
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,232
−HK$1,233/mo
Today · 4.125%
HK$41,465
baseline
▲ 0.50% · 4.625%
HK$43,988
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,930/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,408
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,572
−HK$1,181/mo
Today · 4.125%
HK$45,753
baseline
▲ 0.50% · 4.625%
HK$48,165
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,506/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,522
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,938
−HK$1,438/mo
Today · 4.125%
HK$48,376
baseline
▲ 0.50% · 4.625%
HK$51,320
+HK$2,944/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,752/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,642
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,000
−HK$1,378/mo
Today · 4.125%
HK$53,378
baseline
▲ 0.50% · 4.625%
HK$56,192
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,756/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,528
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,348
−HK$1,850/mo
Today · 4.125%
HK$62,198
baseline
▲ 0.50% · 4.625%
HK$65,982
+HK$3,784/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,396/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,111
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,858
−HK$1,771/mo
Today · 4.125%
HK$68,629
baseline
▲ 0.50% · 4.625%
HK$72,247
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,258/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,733 · Scale 2, in force from 26 Feb 2026)