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$32,522
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,533
−HK$1,028/mo
Today · 4.125%
HK$34,561
baseline
▲ 0.50% · 4.625%
HK$36,664
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,122/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,180
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,151
−HK$984/mo
Today · 4.125%
HK$38,135
baseline
▲ 0.50% · 4.625%
HK$40,145
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,270/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,026
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,240
−HK$1,234/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,997
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,416
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,581
−HK$1,181/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,174
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,531
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,947
−HK$1,439/mo
Today · 4.125%
HK$48,386
baseline
▲ 0.50% · 4.625%
HK$51,330
+HK$2,944/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,772/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,652
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,011
−HK$1,378/mo
Today · 4.125%
HK$53,389
baseline
▲ 0.50% · 4.625%
HK$56,203
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,778/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,539
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,360
−HK$1,850/mo
Today · 4.125%
HK$62,210
baseline
▲ 0.50% · 4.625%
HK$65,996
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,420/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,124
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,871
−HK$1,772/mo
Today · 4.125%
HK$68,643
baseline
▲ 0.50% · 4.625%
HK$72,261
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,286/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,840 · Scale 2, in force from 26 Feb 2026)