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$32,552
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$1,029/mo
Today · 4.125%
HK$34,594
baseline
▲ 0.50% · 4.625%
HK$36,698
+HK$2,104/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,188/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,214
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,185
−HK$986/mo
Today · 4.125%
HK$38,171
baseline
▲ 0.50% · 4.625%
HK$40,183
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,342/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,063
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,278
−HK$1,234/mo
Today · 4.125%
HK$41,512
baseline
▲ 0.50% · 4.625%
HK$44,038
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,024/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,457
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,622
−HK$1,183/mo
Today · 4.125%
HK$45,805
baseline
▲ 0.50% · 4.625%
HK$48,219
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,610/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,573
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,991
−HK$1,440/mo
Today · 4.125%
HK$48,431
baseline
▲ 0.50% · 4.625%
HK$51,378
+HK$2,947/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,862/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,700
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,059
−HK$1,380/mo
Today · 4.125%
HK$53,439
baseline
▲ 0.50% · 4.625%
HK$56,256
+HK$2,817/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,878/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,594
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,417
−HK$1,851/mo
Today · 4.125%
HK$62,268
baseline
▲ 0.50% · 4.625%
HK$66,057
+HK$3,789/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,536/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,185
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,934
−HK$1,773/mo
Today · 4.125%
HK$68,707
baseline
▲ 0.50% · 4.625%
HK$72,329
+HK$3,622/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,414/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,339 · Scale 2, in force from 26 Feb 2026)