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$32,515
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,526
−HK$1,028/mo
Today · 4.125%
HK$34,554
baseline
▲ 0.50% · 4.625%
HK$36,656
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,108/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,172
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$984/mo
Today · 4.125%
HK$38,126
baseline
▲ 0.50% · 4.625%
HK$40,136
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,252/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,017
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,231
−HK$1,233/mo
Today · 4.125%
HK$41,464
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,928/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,407
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,571
−HK$1,181/mo
Today · 4.125%
HK$45,752
baseline
▲ 0.50% · 4.625%
HK$48,163
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,504/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,520
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,439/mo
Today · 4.125%
HK$48,375
baseline
▲ 0.50% · 4.625%
HK$51,318
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,750/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,641
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,999
−HK$1,378/mo
Today · 4.125%
HK$53,377
baseline
▲ 0.50% · 4.625%
HK$56,191
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,754/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,526
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,347
−HK$1,849/mo
Today · 4.125%
HK$62,196
baseline
▲ 0.50% · 4.625%
HK$65,981
+HK$3,785/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,392/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,110
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,856
−HK$1,771/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,245
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,719 · Scale 2, in force from 26 Feb 2026)