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$32,935
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,959
−HK$1,041/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$37,130
+HK$2,130/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,640
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$997/mo
Today · 4.125%
HK$38,619
baseline
▲ 0.50% · 4.625%
HK$40,655
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,238/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,522
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,751
−HK$1,249/mo
Today · 4.125%
HK$42,000
baseline
▲ 0.50% · 4.625%
HK$44,556
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,000/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,968
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,147
−HK$1,196/mo
Today · 4.125%
HK$46,343
baseline
▲ 0.50% · 4.625%
HK$48,786
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,686/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,109
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,543
−HK$1,457/mo
Today · 4.125%
HK$49,000
baseline
▲ 0.50% · 4.625%
HK$51,982
+HK$2,982/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,000/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,295
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,671
−HK$1,396/mo
Today · 4.125%
HK$54,067
baseline
▲ 0.50% · 4.625%
HK$56,917
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,134/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,283
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,127
−HK$1,873/mo
Today · 4.125%
HK$63,000
baseline
▲ 0.50% · 4.625%
HK$66,834
+HK$3,834/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,000/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,951
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,720
−HK$1,794/mo
Today · 4.125%
HK$69,514
baseline
▲ 0.50% · 4.625%
HK$73,179
+HK$3,665/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,028/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,630 · Scale 2, in force from 26 Feb 2026)