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$32,498
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,509
−HK$1,027/mo
Today · 4.125%
HK$34,536
baseline
▲ 0.50% · 4.625%
HK$36,637
+HK$2,101/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,072/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,153
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,123
−HK$984/mo
Today · 4.125%
HK$38,107
baseline
▲ 0.50% · 4.625%
HK$40,115
+HK$2,008/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,214/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,997
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,233/mo
Today · 4.125%
HK$41,443
baseline
▲ 0.50% · 4.625%
HK$43,965
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,886/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,384
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,180/mo
Today · 4.125%
HK$45,728
baseline
▲ 0.50% · 4.625%
HK$48,138
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,456/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,497
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,912
−HK$1,438/mo
Today · 4.125%
HK$48,350
baseline
▲ 0.50% · 4.625%
HK$51,292
+HK$2,942/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,700/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,615
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,972
−HK$1,377/mo
Today · 4.125%
HK$53,349
baseline
▲ 0.50% · 4.625%
HK$56,162
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,698/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,496
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,316
−HK$1,848/mo
Today · 4.125%
HK$62,164
baseline
▲ 0.50% · 4.625%
HK$65,947
+HK$3,783/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,328/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,076
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,822
−HK$1,770/mo
Today · 4.125%
HK$68,592
baseline
▲ 0.50% · 4.625%
HK$72,208
+HK$3,616/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,184/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,444 · Scale 2, in force from 26 Feb 2026)