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$32,540
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,552
−HK$1,029/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,685
+HK$2,104/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,201
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,171
−HK$985/mo
Today · 4.125%
HK$38,156
baseline
▲ 0.50% · 4.625%
HK$40,168
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,312/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,048
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,263
−HK$1,234/mo
Today · 4.125%
HK$41,497
baseline
▲ 0.50% · 4.625%
HK$44,022
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,994/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,441
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,606
−HK$1,182/mo
Today · 4.125%
HK$45,788
baseline
▲ 0.50% · 4.625%
HK$48,201
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,576/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,556
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,440/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$51,359
+HK$2,946/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,681
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,040
−HK$1,379/mo
Today · 4.125%
HK$53,419
baseline
▲ 0.50% · 4.625%
HK$56,235
+HK$2,816/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,838/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,572
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,394
−HK$1,851/mo
Today · 4.125%
HK$62,245
baseline
▲ 0.50% · 4.625%
HK$66,033
+HK$3,788/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,490/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,161
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,908
−HK$1,773/mo
Today · 4.125%
HK$68,681
baseline
▲ 0.50% · 4.625%
HK$72,302
+HK$3,621/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,362/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,139 · Scale 2, in force from 26 Feb 2026)