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$32,519
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,531
−HK$1,028/mo
Today · 4.125%
HK$34,559
baseline
▲ 0.50% · 4.625%
HK$36,661
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,118/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,177
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,148
−HK$984/mo
Today · 4.125%
HK$38,132
baseline
▲ 0.50% · 4.625%
HK$40,142
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,264/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,023
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,237
−HK$1,233/mo
Today · 4.125%
HK$41,470
baseline
▲ 0.50% · 4.625%
HK$43,994
+HK$2,524/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,940/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,413
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,577
−HK$1,181/mo
Today · 4.125%
HK$45,758
baseline
▲ 0.50% · 4.625%
HK$48,170
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,516/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,527
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,943
−HK$1,439/mo
Today · 4.125%
HK$48,382
baseline
▲ 0.50% · 4.625%
HK$51,326
+HK$2,944/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,764/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,648
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,007
−HK$1,378/mo
Today · 4.125%
HK$53,385
baseline
▲ 0.50% · 4.625%
HK$56,199
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,770/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,535
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,355
−HK$1,850/mo
Today · 4.125%
HK$62,205
baseline
▲ 0.50% · 4.625%
HK$65,990
+HK$3,785/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,410/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,119
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,866
−HK$1,771/mo
Today · 4.125%
HK$68,637
baseline
▲ 0.50% · 4.625%
HK$72,255
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,274/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,797 · Scale 2, in force from 26 Feb 2026)