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$32,510
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,521
−HK$1,027/mo
Today · 4.125%
HK$34,548
baseline
▲ 0.50% · 4.625%
HK$36,650
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,096/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$984/mo
Today · 4.125%
HK$38,121
baseline
▲ 0.50% · 4.625%
HK$40,130
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,242/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,012
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,225
−HK$1,233/mo
Today · 4.125%
HK$41,458
baseline
▲ 0.50% · 4.625%
HK$43,981
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,916/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,400
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,564
−HK$1,181/mo
Today · 4.125%
HK$45,745
baseline
▲ 0.50% · 4.625%
HK$48,156
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,490/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,513
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,929
−HK$1,439/mo
Today · 4.125%
HK$48,368
baseline
▲ 0.50% · 4.625%
HK$51,311
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,736/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,633
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,991
−HK$1,378/mo
Today · 4.125%
HK$53,369
baseline
▲ 0.50% · 4.625%
HK$56,182
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,738/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,517
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,338
−HK$1,849/mo
Today · 4.125%
HK$62,187
baseline
▲ 0.50% · 4.625%
HK$65,971
+HK$3,784/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,374/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,100
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,846
−HK$1,771/mo
Today · 4.125%
HK$68,617
baseline
▲ 0.50% · 4.625%
HK$72,234
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,234/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,638 · Scale 2, in force from 26 Feb 2026)