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$32,545
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,557
−HK$1,028/mo
Today · 4.125%
HK$34,585
baseline
▲ 0.50% · 4.625%
HK$36,690
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,170/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,205
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,176
−HK$986/mo
Today · 4.125%
HK$38,162
baseline
▲ 0.50% · 4.625%
HK$40,173
+HK$2,011/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,324/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,053
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,268
−HK$1,234/mo
Today · 4.125%
HK$41,502
baseline
▲ 0.50% · 4.625%
HK$44,028
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$83,004/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,447
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,612
−HK$1,182/mo
Today · 4.125%
HK$45,794
baseline
▲ 0.50% · 4.625%
HK$48,208
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,588/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,562
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,980
−HK$1,439/mo
Today · 4.125%
HK$48,419
baseline
▲ 0.50% · 4.625%
HK$51,366
+HK$2,947/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,838/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,688
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,047
−HK$1,379/mo
Today · 4.125%
HK$53,426
baseline
▲ 0.50% · 4.625%
HK$56,242
+HK$2,816/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,852/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,580
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,402
−HK$1,852/mo
Today · 4.125%
HK$62,254
baseline
▲ 0.50% · 4.625%
HK$66,042
+HK$3,788/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,508/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,170
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,918
−HK$1,773/mo
Today · 4.125%
HK$68,691
baseline
▲ 0.50% · 4.625%
HK$72,311
+HK$3,620/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,382/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,212 · Scale 2, in force from 26 Feb 2026)