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$32,536
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,548
−HK$1,028/mo
Today · 4.125%
HK$34,576
baseline
▲ 0.50% · 4.625%
HK$36,680
+HK$2,104/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,152/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,196
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$984/mo
Today · 4.125%
HK$38,151
baseline
▲ 0.50% · 4.625%
HK$40,162
+HK$2,011/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,302/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,043
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,258
−HK$1,233/mo
Today · 4.125%
HK$41,491
baseline
▲ 0.50% · 4.625%
HK$44,016
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,982/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,435
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,600
−HK$1,182/mo
Today · 4.125%
HK$45,782
baseline
▲ 0.50% · 4.625%
HK$48,195
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,564/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,550
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,967
−HK$1,440/mo
Today · 4.125%
HK$48,407
baseline
▲ 0.50% · 4.625%
HK$51,352
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,814/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,674
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,033
−HK$1,379/mo
Today · 4.125%
HK$53,412
baseline
▲ 0.50% · 4.625%
HK$56,227
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,824/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,565
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,386
−HK$1,851/mo
Today · 4.125%
HK$62,237
baseline
▲ 0.50% · 4.625%
HK$66,024
+HK$3,787/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,474/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,153
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,900
−HK$1,773/mo
Today · 4.125%
HK$68,673
baseline
▲ 0.50% · 4.625%
HK$72,292
+HK$3,619/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,346/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,070 · Scale 2, in force from 26 Feb 2026)