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$32,543
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,556
−HK$1,028/mo
Today · 4.125%
HK$34,584
baseline
▲ 0.50% · 4.625%
HK$36,688
+HK$2,104/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,168/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,204
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,175
−HK$985/mo
Today · 4.125%
HK$38,160
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,320/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,052
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,267
−HK$1,234/mo
Today · 4.125%
HK$41,501
baseline
▲ 0.50% · 4.625%
HK$44,026
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$83,002/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,445
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,610
−HK$1,182/mo
Today · 4.125%
HK$45,792
baseline
▲ 0.50% · 4.625%
HK$48,206
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,584/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,561
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,978
−HK$1,440/mo
Today · 4.125%
HK$48,418
baseline
▲ 0.50% · 4.625%
HK$51,364
+HK$2,946/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,836/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,686
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,045
−HK$1,379/mo
Today · 4.125%
HK$53,424
baseline
▲ 0.50% · 4.625%
HK$56,240
+HK$2,816/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,848/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,578
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,400
−HK$1,851/mo
Today · 4.125%
HK$62,251
baseline
▲ 0.50% · 4.625%
HK$66,039
+HK$3,788/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,502/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,167
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,915
−HK$1,773/mo
Today · 4.125%
HK$68,688
baseline
▲ 0.50% · 4.625%
HK$72,309
+HK$3,621/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,376/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,192 · Scale 2, in force from 26 Feb 2026)