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$32,511
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,522
−HK$1,028/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,168
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,138
−HK$984/mo
Today · 4.125%
HK$38,122
baseline
▲ 0.50% · 4.625%
HK$40,132
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,244/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,013
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,227
−HK$1,233/mo
Today · 4.125%
HK$41,460
baseline
▲ 0.50% · 4.625%
HK$43,982
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,920/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,402
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,566
−HK$1,181/mo
Today · 4.125%
HK$45,747
baseline
▲ 0.50% · 4.625%
HK$48,158
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,494/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,515
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,931
−HK$1,439/mo
Today · 4.125%
HK$48,370
baseline
▲ 0.50% · 4.625%
HK$51,313
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,740/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,635
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,993
−HK$1,378/mo
Today · 4.125%
HK$53,371
baseline
▲ 0.50% · 4.625%
HK$56,184
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,742/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,520
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,340
−HK$1,849/mo
Today · 4.125%
HK$62,189
baseline
▲ 0.50% · 4.625%
HK$65,973
+HK$3,784/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,378/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,103
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,849
−HK$1,771/mo
Today · 4.125%
HK$68,620
baseline
▲ 0.50% · 4.625%
HK$72,237
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,240/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,660 · Scale 2, in force from 26 Feb 2026)