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$32,543
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,555
−HK$1,028/mo
Today · 4.125%
HK$34,583
baseline
▲ 0.50% · 4.625%
HK$36,688
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,166/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,203
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,174
−HK$985/mo
Today · 4.125%
HK$38,159
baseline
▲ 0.50% · 4.625%
HK$40,171
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,318/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,051
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,266
−HK$1,234/mo
Today · 4.125%
HK$41,500
baseline
▲ 0.50% · 4.625%
HK$44,025
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$83,000/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,444
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,609
−HK$1,182/mo
Today · 4.125%
HK$45,791
baseline
▲ 0.50% · 4.625%
HK$48,205
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,582/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,560
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,977
−HK$1,440/mo
Today · 4.125%
HK$48,417
baseline
▲ 0.50% · 4.625%
HK$51,363
+HK$2,946/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,834/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,685
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,044
−HK$1,379/mo
Today · 4.125%
HK$53,423
baseline
▲ 0.50% · 4.625%
HK$56,239
+HK$2,816/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,846/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,577
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,399
−HK$1,851/mo
Today · 4.125%
HK$62,250
baseline
▲ 0.50% · 4.625%
HK$66,038
+HK$3,788/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,500/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,166
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,914
−HK$1,773/mo
Today · 4.125%
HK$68,687
baseline
▲ 0.50% · 4.625%
HK$72,307
+HK$3,620/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,374/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,182 · Scale 2, in force from 26 Feb 2026)