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$32,538
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,550
−HK$1,029/mo
Today · 4.125%
HK$34,579
baseline
▲ 0.50% · 4.625%
HK$36,683
+HK$2,104/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,158/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,198
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,169
−HK$985/mo
Today · 4.125%
HK$38,154
baseline
▲ 0.50% · 4.625%
HK$40,165
+HK$2,011/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,308/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,046
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,260
−HK$1,234/mo
Today · 4.125%
HK$41,494
baseline
▲ 0.50% · 4.625%
HK$44,019
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,988/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,438
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,603
−HK$1,182/mo
Today · 4.125%
HK$45,785
baseline
▲ 0.50% · 4.625%
HK$48,198
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,570/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,553
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,970
−HK$1,440/mo
Today · 4.125%
HK$48,410
baseline
▲ 0.50% · 4.625%
HK$51,356
+HK$2,946/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,820/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,678
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,037
−HK$1,379/mo
Today · 4.125%
HK$53,416
baseline
▲ 0.50% · 4.625%
HK$56,231
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,832/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,569
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,390
−HK$1,851/mo
Today · 4.125%
HK$62,241
baseline
▲ 0.50% · 4.625%
HK$66,029
+HK$3,788/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,482/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,157
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,904
−HK$1,773/mo
Today · 4.125%
HK$68,677
baseline
▲ 0.50% · 4.625%
HK$72,297
+HK$3,620/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,354/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,107 · Scale 2, in force from 26 Feb 2026)