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$32,558
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$1,029/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,220
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$985/mo
Today · 4.125%
HK$38,177
baseline
▲ 0.50% · 4.625%
HK$40,190
+HK$2,013/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,354/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,069
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,285
−HK$1,234/mo
Today · 4.125%
HK$41,519
baseline
▲ 0.50% · 4.625%
HK$44,046
+HK$2,527/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,038/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,464
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,630
−HK$1,183/mo
Today · 4.125%
HK$45,813
baseline
▲ 0.50% · 4.625%
HK$48,228
+HK$2,415/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,626/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,581
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,999
−HK$1,440/mo
Today · 4.125%
HK$48,439
baseline
▲ 0.50% · 4.625%
HK$51,387
+HK$2,948/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,878/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,708
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,068
−HK$1,380/mo
Today · 4.125%
HK$53,448
baseline
▲ 0.50% · 4.625%
HK$56,265
+HK$2,817/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,896/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,604
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,427
−HK$1,852/mo
Today · 4.125%
HK$62,279
baseline
▲ 0.50% · 4.625%
HK$66,069
+HK$3,790/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,558/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,197
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,945
−HK$1,774/mo
Today · 4.125%
HK$68,719
baseline
▲ 0.50% · 4.625%
HK$72,341
+HK$3,622/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,438/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,432 · Scale 2, in force from 26 Feb 2026)