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$32,556
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,568
−HK$1,029/mo
Today · 4.125%
HK$34,597
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,194/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,218
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,189
−HK$986/mo
Today · 4.125%
HK$38,175
baseline
▲ 0.50% · 4.625%
HK$40,187
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,350/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,067
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,282
−HK$1,235/mo
Today · 4.125%
HK$41,517
baseline
▲ 0.50% · 4.625%
HK$44,043
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,034/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,461
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,627
−HK$1,182/mo
Today · 4.125%
HK$45,809
baseline
▲ 0.50% · 4.625%
HK$48,224
+HK$2,415/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,618/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,578
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,996
−HK$1,440/mo
Today · 4.125%
HK$48,436
baseline
▲ 0.50% · 4.625%
HK$51,383
+HK$2,947/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,872/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,705
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,065
−HK$1,379/mo
Today · 4.125%
HK$53,444
baseline
▲ 0.50% · 4.625%
HK$56,262
+HK$2,818/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,888/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,600
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,423
−HK$1,852/mo
Today · 4.125%
HK$62,275
baseline
▲ 0.50% · 4.625%
HK$66,064
+HK$3,789/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,550/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,192
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,941
−HK$1,773/mo
Today · 4.125%
HK$68,714
baseline
▲ 0.50% · 4.625%
HK$72,336
+HK$3,622/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,428/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,395 · Scale 2, in force from 26 Feb 2026)