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$32,525
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$1,028/mo
Today · 4.125%
HK$34,565
baseline
▲ 0.50% · 4.625%
HK$36,668
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,130/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,184
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,154
−HK$985/mo
Today · 4.125%
HK$38,139
baseline
▲ 0.50% · 4.625%
HK$40,149
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,278/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,030
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,244
−HK$1,234/mo
Today · 4.125%
HK$41,478
baseline
▲ 0.50% · 4.625%
HK$44,001
+HK$2,523/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,956/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,420
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,585
−HK$1,181/mo
Today · 4.125%
HK$45,766
baseline
▲ 0.50% · 4.625%
HK$48,179
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,532/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,535
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,951
−HK$1,439/mo
Today · 4.125%
HK$48,390
baseline
▲ 0.50% · 4.625%
HK$51,335
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,780/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,657
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,016
−HK$1,378/mo
Today · 4.125%
HK$53,394
baseline
▲ 0.50% · 4.625%
HK$56,209
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,788/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,545
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,366
−HK$1,850/mo
Today · 4.125%
HK$62,216
baseline
▲ 0.50% · 4.625%
HK$66,002
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,432/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,131
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,877
−HK$1,772/mo
Today · 4.125%
HK$68,649
baseline
▲ 0.50% · 4.625%
HK$72,268
+HK$3,619/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,298/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,891 · Scale 2, in force from 26 Feb 2026)