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$32,530
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,542
−HK$1,028/mo
Today · 4.125%
HK$34,570
baseline
▲ 0.50% · 4.625%
HK$36,674
+HK$2,104/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,140/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,190
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,160
−HK$985/mo
Today · 4.125%
HK$38,145
baseline
▲ 0.50% · 4.625%
HK$40,156
+HK$2,011/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,290/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,037
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,251
−HK$1,233/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$44,009
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,428
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,592
−HK$1,182/mo
Today · 4.125%
HK$45,774
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,548/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,543
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,959
−HK$1,440/mo
Today · 4.125%
HK$48,399
baseline
▲ 0.50% · 4.625%
HK$51,343
+HK$2,944/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,798/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,666
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,024
−HK$1,379/mo
Today · 4.125%
HK$53,403
baseline
▲ 0.50% · 4.625%
HK$56,218
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,806/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,555
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,376
−HK$1,851/mo
Today · 4.125%
HK$62,227
baseline
▲ 0.50% · 4.625%
HK$66,013
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,454/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,142
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,889
−HK$1,772/mo
Today · 4.125%
HK$68,661
baseline
▲ 0.50% · 4.625%
HK$72,280
+HK$3,619/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,322/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,980 · Scale 2, in force from 26 Feb 2026)