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$32,524
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$1,028/mo
Today · 4.125%
HK$34,563
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,126/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,182
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,152
−HK$985/mo
Today · 4.125%
HK$38,137
baseline
▲ 0.50% · 4.625%
HK$40,147
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,274/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,028
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,242
−HK$1,234/mo
Today · 4.125%
HK$41,476
baseline
▲ 0.50% · 4.625%
HK$43,999
+HK$2,523/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,952/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,419
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,583
−HK$1,181/mo
Today · 4.125%
HK$45,764
baseline
▲ 0.50% · 4.625%
HK$48,177
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,528/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,533
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,949
−HK$1,439/mo
Today · 4.125%
HK$48,388
baseline
▲ 0.50% · 4.625%
HK$51,333
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,776/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,655
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,013
−HK$1,379/mo
Today · 4.125%
HK$53,392
baseline
▲ 0.50% · 4.625%
HK$56,206
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,784/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,542
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,363
−HK$1,850/mo
Today · 4.125%
HK$62,213
baseline
▲ 0.50% · 4.625%
HK$65,999
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,426/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,128
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,874
−HK$1,772/mo
Today · 4.125%
HK$68,646
baseline
▲ 0.50% · 4.625%
HK$72,265
+HK$3,619/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,292/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,867 · Scale 2, in force from 26 Feb 2026)