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$32,555
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,568
−HK$1,028/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$2,106/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,217
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$986/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,186
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,066
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,281
−HK$1,235/mo
Today · 4.125%
HK$41,516
baseline
▲ 0.50% · 4.625%
HK$44,042
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,032/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,460
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,626
−HK$1,183/mo
Today · 4.125%
HK$45,809
baseline
▲ 0.50% · 4.625%
HK$48,223
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,618/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,577
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,995
−HK$1,440/mo
Today · 4.125%
HK$48,435
baseline
▲ 0.50% · 4.625%
HK$51,382
+HK$2,947/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,870/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,704
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,064
−HK$1,379/mo
Today · 4.125%
HK$53,443
baseline
▲ 0.50% · 4.625%
HK$56,260
+HK$2,817/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,886/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,599
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,422
−HK$1,852/mo
Today · 4.125%
HK$62,274
baseline
▲ 0.50% · 4.625%
HK$66,063
+HK$3,789/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,548/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,191
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,939
−HK$1,774/mo
Today · 4.125%
HK$68,713
baseline
▲ 0.50% · 4.625%
HK$72,335
+HK$3,622/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,426/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,384 · Scale 2, in force from 26 Feb 2026)