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$32,547
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,560
−HK$1,028/mo
Today · 4.125%
HK$34,588
baseline
▲ 0.50% · 4.625%
HK$36,693
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,176/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,209
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,180
−HK$985/mo
Today · 4.125%
HK$38,165
baseline
▲ 0.50% · 4.625%
HK$40,177
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,330/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,057
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,272
−HK$1,234/mo
Today · 4.125%
HK$41,506
baseline
▲ 0.50% · 4.625%
HK$44,032
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$83,012/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,450
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,616
−HK$1,182/mo
Today · 4.125%
HK$45,798
baseline
▲ 0.50% · 4.625%
HK$48,212
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,596/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,566
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,984
−HK$1,440/mo
Today · 4.125%
HK$48,424
baseline
▲ 0.50% · 4.625%
HK$51,370
+HK$2,946/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,848/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,692
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,052
−HK$1,379/mo
Today · 4.125%
HK$53,431
baseline
▲ 0.50% · 4.625%
HK$56,247
+HK$2,816/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,862/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,585
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,408
−HK$1,851/mo
Today · 4.125%
HK$62,259
baseline
▲ 0.50% · 4.625%
HK$66,047
+HK$3,788/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,518/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,176
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,924
−HK$1,773/mo
Today · 4.125%
HK$68,697
baseline
▲ 0.50% · 4.625%
HK$72,318
+HK$3,621/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,394/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,260 · Scale 2, in force from 26 Feb 2026)