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$32,497
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,508
−HK$1,027/mo
Today · 4.125%
HK$34,535
baseline
▲ 0.50% · 4.625%
HK$36,636
+HK$2,101/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,070/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,153
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,122
−HK$984/mo
Today · 4.125%
HK$38,106
baseline
▲ 0.50% · 4.625%
HK$40,115
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,212/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,997
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,232/mo
Today · 4.125%
HK$41,442
baseline
▲ 0.50% · 4.625%
HK$43,964
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,884/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,383
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,547
−HK$1,180/mo
Today · 4.125%
HK$45,727
baseline
▲ 0.50% · 4.625%
HK$48,137
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,454/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,496
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,911
−HK$1,438/mo
Today · 4.125%
HK$48,349
baseline
▲ 0.50% · 4.625%
HK$51,291
+HK$2,942/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,698/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,614
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,971
−HK$1,377/mo
Today · 4.125%
HK$53,348
baseline
▲ 0.50% · 4.625%
HK$56,160
+HK$2,812/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,696/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,495
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,314
−HK$1,849/mo
Today · 4.125%
HK$62,163
baseline
▲ 0.50% · 4.625%
HK$65,945
+HK$3,782/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,326/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,075
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,820
−HK$1,771/mo
Today · 4.125%
HK$68,591
baseline
▲ 0.50% · 4.625%
HK$72,206
+HK$3,615/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,182/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,432 · Scale 2, in force from 26 Feb 2026)