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$32,516
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,527
−HK$1,028/mo
Today · 4.125%
HK$34,555
baseline
▲ 0.50% · 4.625%
HK$36,657
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,110/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,173
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,144
−HK$984/mo
Today · 4.125%
HK$38,128
baseline
▲ 0.50% · 4.625%
HK$40,138
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,256/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,019
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,233
−HK$1,233/mo
Today · 4.125%
HK$41,466
baseline
▲ 0.50% · 4.625%
HK$43,989
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,932/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,739 · 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$534,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,522
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,938
−HK$1,439/mo
Today · 4.125%
HK$48,377
baseline
▲ 0.50% · 4.625%
HK$51,320
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,754/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,643
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,001
−HK$1,378/mo
Today · 4.125%
HK$53,379
baseline
▲ 0.50% · 4.625%
HK$56,193
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,758/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,528
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,349
−HK$1,850/mo
Today · 4.125%
HK$62,199
baseline
▲ 0.50% · 4.625%
HK$65,983
+HK$3,784/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,398/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,112
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,858
−HK$1,772/mo
Today · 4.125%
HK$68,630
baseline
▲ 0.50% · 4.625%
HK$72,248
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,260/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,739 · Scale 2, in force from 26 Feb 2026)