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$32,506
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,517
−HK$1,028/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,163
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,133
−HK$984/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,008
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,221
−HK$1,233/mo
Today · 4.125%
HK$41,454
baseline
▲ 0.50% · 4.625%
HK$43,976
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,908/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,396
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,559
−HK$1,181/mo
Today · 4.125%
HK$45,740
baseline
▲ 0.50% · 4.625%
HK$48,151
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,480/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,509
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,924
−HK$1,439/mo
Today · 4.125%
HK$48,363
baseline
▲ 0.50% · 4.625%
HK$51,305
+HK$2,942/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,726/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,628
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,986
−HK$1,377/mo
Today · 4.125%
HK$53,363
baseline
▲ 0.50% · 4.625%
HK$56,176
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,726/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,511
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,331
−HK$1,850/mo
Today · 4.125%
HK$62,181
baseline
▲ 0.50% · 4.625%
HK$65,964
+HK$3,783/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,362/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,093
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,839
−HK$1,771/mo
Today · 4.125%
HK$68,610
baseline
▲ 0.50% · 4.625%
HK$72,227
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,220/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,584 · Scale 2, in force from 26 Feb 2026)