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$32,509
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,520
−HK$1,027/mo
Today · 4.125%
HK$34,547
baseline
▲ 0.50% · 4.625%
HK$36,649
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,094/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,165
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,135
−HK$984/mo
Today · 4.125%
HK$38,119
baseline
▲ 0.50% · 4.625%
HK$40,129
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,238/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,010
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,233/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,399
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,562
−HK$1,181/mo
Today · 4.125%
HK$45,743
baseline
▲ 0.50% · 4.625%
HK$48,154
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,486/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,512
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,928
−HK$1,438/mo
Today · 4.125%
HK$48,366
baseline
▲ 0.50% · 4.625%
HK$51,309
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,732/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,632
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,990
−HK$1,377/mo
Today · 4.125%
HK$53,367
baseline
▲ 0.50% · 4.625%
HK$56,180
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,734/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,515
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,336
−HK$1,849/mo
Today · 4.125%
HK$62,185
baseline
▲ 0.50% · 4.625%
HK$65,969
+HK$3,784/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,370/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,098
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,844
−HK$1,771/mo
Today · 4.125%
HK$68,615
baseline
▲ 0.50% · 4.625%
HK$72,232
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,230/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,620 · Scale 2, in force from 26 Feb 2026)