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$32,496
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,507
−HK$1,027/mo
Today · 4.125%
HK$34,534
baseline
▲ 0.50% · 4.625%
HK$36,635
+HK$2,101/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,068/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,121
−HK$983/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,113
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,995
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,232/mo
Today · 4.125%
HK$41,440
baseline
▲ 0.50% · 4.625%
HK$43,962
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,880/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,381
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,545
−HK$1,180/mo
Today · 4.125%
HK$45,725
baseline
▲ 0.50% · 4.625%
HK$48,135
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,450/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,494
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,909
−HK$1,438/mo
Today · 4.125%
HK$48,347
baseline
▲ 0.50% · 4.625%
HK$51,289
+HK$2,942/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,694/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,612
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,969
−HK$1,377/mo
Today · 4.125%
HK$53,346
baseline
▲ 0.50% · 4.625%
HK$56,158
+HK$2,812/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,692/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,492
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,312
−HK$1,848/mo
Today · 4.125%
HK$62,160
baseline
▲ 0.50% · 4.625%
HK$65,943
+HK$3,783/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,320/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,072
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,817
−HK$1,771/mo
Today · 4.125%
HK$68,588
baseline
▲ 0.50% · 4.625%
HK$72,203
+HK$3,615/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,176/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,410 · Scale 2, in force from 26 Feb 2026)