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$32,539
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,551
−HK$1,029/mo
Today · 4.125%
HK$34,580
baseline
▲ 0.50% · 4.625%
HK$36,684
+HK$2,104/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,160/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,200
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,170
−HK$985/mo
Today · 4.125%
HK$38,155
baseline
▲ 0.50% · 4.625%
HK$40,167
+HK$2,012/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,310/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,047
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,262
−HK$1,234/mo
Today · 4.125%
HK$41,496
baseline
▲ 0.50% · 4.625%
HK$44,021
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,992/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,439
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,605
−HK$1,181/mo
Today · 4.125%
HK$45,786
baseline
▲ 0.50% · 4.625%
HK$48,200
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,572/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,555
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,972
−HK$1,440/mo
Today · 4.125%
HK$48,412
baseline
▲ 0.50% · 4.625%
HK$51,357
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,824/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,679
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,039
−HK$1,378/mo
Today · 4.125%
HK$53,417
baseline
▲ 0.50% · 4.625%
HK$56,233
+HK$2,816/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,834/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,571
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,392
−HK$1,852/mo
Today · 4.125%
HK$62,244
baseline
▲ 0.50% · 4.625%
HK$66,031
+HK$3,787/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,488/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,159
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,907
−HK$1,773/mo
Today · 4.125%
HK$68,680
baseline
▲ 0.50% · 4.625%
HK$72,300
+HK$3,620/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,360/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,125 · Scale 2, in force from 26 Feb 2026)