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$32,500
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,511
−HK$1,027/mo
Today · 4.125%
HK$34,538
baseline
▲ 0.50% · 4.625%
HK$36,640
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,076/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,156
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,126
−HK$984/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,118
+HK$2,008/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,000
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,213
−HK$1,233/mo
Today · 4.125%
HK$41,446
baseline
▲ 0.50% · 4.625%
HK$43,968
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,892/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,387
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,551
−HK$1,181/mo
Today · 4.125%
HK$45,732
baseline
▲ 0.50% · 4.625%
HK$48,142
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,464/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,500
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,916
−HK$1,438/mo
Today · 4.125%
HK$48,354
baseline
▲ 0.50% · 4.625%
HK$51,296
+HK$2,942/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,708/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,619
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,976
−HK$1,378/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,166
+HK$2,812/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,501
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,320
−HK$1,849/mo
Today · 4.125%
HK$62,169
baseline
▲ 0.50% · 4.625%
HK$65,952
+HK$3,783/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,338/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,081
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,827
−HK$1,770/mo
Today · 4.125%
HK$68,597
baseline
▲ 0.50% · 4.625%
HK$72,213
+HK$3,616/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,194/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,485 · Scale 2, in force from 26 Feb 2026)