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$32,540
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,552
−HK$1,028/mo
Today · 4.125%
HK$34,580
baseline
▲ 0.50% · 4.625%
HK$36,685
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,160/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,200
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,171
−HK$985/mo
Today · 4.125%
HK$38,156
baseline
▲ 0.50% · 4.625%
HK$40,167
+HK$2,011/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,312/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,048
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,263
−HK$1,234/mo
Today · 4.125%
HK$41,497
baseline
▲ 0.50% · 4.625%
HK$44,022
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,994/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,440
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,605
−HK$1,182/mo
Today · 4.125%
HK$45,787
baseline
▲ 0.50% · 4.625%
HK$48,201
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,574/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,556
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,440/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$51,358
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,680
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,040
−HK$1,379/mo
Today · 4.125%
HK$53,419
baseline
▲ 0.50% · 4.625%
HK$56,234
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,838/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,572
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,394
−HK$1,851/mo
Today · 4.125%
HK$62,245
baseline
▲ 0.50% · 4.625%
HK$66,032
+HK$3,787/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,490/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,161
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,908
−HK$1,773/mo
Today · 4.125%
HK$68,681
baseline
▲ 0.50% · 4.625%
HK$72,301
+HK$3,620/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,362/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,137 · Scale 2, in force from 26 Feb 2026)