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$32,518
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,530
−HK$1,028/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,116/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,176
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,147
−HK$984/mo
Today · 4.125%
HK$38,131
baseline
▲ 0.50% · 4.625%
HK$40,141
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,262/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,022
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,236
−HK$1,233/mo
Today · 4.125%
HK$41,469
baseline
▲ 0.50% · 4.625%
HK$43,992
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,938/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,412
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,576
−HK$1,181/mo
Today · 4.125%
HK$45,757
baseline
▲ 0.50% · 4.625%
HK$48,169
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,514/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,526
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,942
−HK$1,439/mo
Today · 4.125%
HK$48,381
baseline
▲ 0.50% · 4.625%
HK$51,324
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,762/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,647
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,005
−HK$1,378/mo
Today · 4.125%
HK$53,383
baseline
▲ 0.50% · 4.625%
HK$56,197
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,766/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,533
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,354
−HK$1,850/mo
Today · 4.125%
HK$62,204
baseline
▲ 0.50% · 4.625%
HK$65,989
+HK$3,785/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,408/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,117
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,864
−HK$1,771/mo
Today · 4.125%
HK$68,635
baseline
▲ 0.50% · 4.625%
HK$72,253
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,270/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,782 · Scale 2, in force from 26 Feb 2026)