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$32,510
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,522
−HK$1,027/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,168
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$985/mo
Today · 4.125%
HK$38,122
baseline
▲ 0.50% · 4.625%
HK$40,131
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,244/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,012
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,226
−HK$1,233/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,982
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,401
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,181/mo
Today · 4.125%
HK$45,746
baseline
▲ 0.50% · 4.625%
HK$48,157
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,492/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,515
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,930
−HK$1,439/mo
Today · 4.125%
HK$48,369
baseline
▲ 0.50% · 4.625%
HK$51,312
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,738/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,635
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,992
−HK$1,378/mo
Today · 4.125%
HK$53,370
baseline
▲ 0.50% · 4.625%
HK$56,183
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,740/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,519
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,339
−HK$1,849/mo
Today · 4.125%
HK$62,188
baseline
▲ 0.50% · 4.625%
HK$65,972
+HK$3,784/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,376/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,102
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,847
−HK$1,772/mo
Today · 4.125%
HK$68,619
baseline
▲ 0.50% · 4.625%
HK$72,236
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,238/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,651 · Scale 2, in force from 26 Feb 2026)