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$32,526
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,538
−HK$1,028/mo
Today · 4.125%
HK$34,566
baseline
▲ 0.50% · 4.625%
HK$36,669
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,132/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,185
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,155
−HK$985/mo
Today · 4.125%
HK$38,140
baseline
▲ 0.50% · 4.625%
HK$40,150
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,280/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,031
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,234/mo
Today · 4.125%
HK$41,479
baseline
▲ 0.50% · 4.625%
HK$44,002
+HK$2,523/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,958/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,422
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,586
−HK$1,182/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,180
+HK$2,412/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,536
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,953
−HK$1,439/mo
Today · 4.125%
HK$48,392
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,944/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,784/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,659
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,017
−HK$1,378/mo
Today · 4.125%
HK$53,395
baseline
▲ 0.50% · 4.625%
HK$56,210
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,790/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,547
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,368
−HK$1,850/mo
Today · 4.125%
HK$62,218
baseline
▲ 0.50% · 4.625%
HK$66,004
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,436/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,132
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,879
−HK$1,772/mo
Today · 4.125%
HK$68,651
baseline
▲ 0.50% · 4.625%
HK$72,270
+HK$3,619/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,302/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,905 · Scale 2, in force from 26 Feb 2026)