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$32,502
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$1,027/mo
Today · 4.125%
HK$34,540
baseline
▲ 0.50% · 4.625%
HK$36,642
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,080/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,158
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,128
−HK$984/mo
Today · 4.125%
HK$38,112
baseline
▲ 0.50% · 4.625%
HK$40,120
+HK$2,008/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,224/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,002
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,216
−HK$1,232/mo
Today · 4.125%
HK$41,448
baseline
▲ 0.50% · 4.625%
HK$43,970
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,896/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,390
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,553
−HK$1,181/mo
Today · 4.125%
HK$45,734
baseline
▲ 0.50% · 4.625%
HK$48,145
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,468/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,503
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,438/mo
Today · 4.125%
HK$48,356
baseline
▲ 0.50% · 4.625%
HK$51,298
+HK$2,942/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,712/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,621
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,979
−HK$1,377/mo
Today · 4.125%
HK$53,356
baseline
▲ 0.50% · 4.625%
HK$56,169
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,712/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,503
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,323
−HK$1,849/mo
Today · 4.125%
HK$62,172
baseline
▲ 0.50% · 4.625%
HK$65,955
+HK$3,783/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,344/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,085
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,830
−HK$1,771/mo
Today · 4.125%
HK$68,601
baseline
▲ 0.50% · 4.625%
HK$72,217
+HK$3,616/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,202/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,512 · Scale 2, in force from 26 Feb 2026)