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$32,507
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,518
−HK$1,027/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,163
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,133
−HK$984/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,008
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,221
−HK$1,233/mo
Today · 4.125%
HK$41,454
baseline
▲ 0.50% · 4.625%
HK$43,976
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,908/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,396
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,560
−HK$1,180/mo
Today · 4.125%
HK$45,740
baseline
▲ 0.50% · 4.625%
HK$48,151
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,480/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,509
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,925
−HK$1,438/mo
Today · 4.125%
HK$48,363
baseline
▲ 0.50% · 4.625%
HK$51,306
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,726/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,628
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,986
−HK$1,378/mo
Today · 4.125%
HK$53,364
baseline
▲ 0.50% · 4.625%
HK$56,177
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,728/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,512
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,332
−HK$1,849/mo
Today · 4.125%
HK$62,181
baseline
▲ 0.50% · 4.625%
HK$65,965
+HK$3,784/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,362/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,094
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,840
−HK$1,771/mo
Today · 4.125%
HK$68,611
baseline
▲ 0.50% · 4.625%
HK$72,227
+HK$3,616/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,222/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,587 · Scale 2, in force from 26 Feb 2026)