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$32,549
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,561
−HK$1,029/mo
Today · 4.125%
HK$34,590
baseline
▲ 0.50% · 4.625%
HK$36,695
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,180/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,210
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,182
−HK$985/mo
Today · 4.125%
HK$38,167
baseline
▲ 0.50% · 4.625%
HK$40,179
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,334/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,059
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,274
−HK$1,234/mo
Today · 4.125%
HK$41,508
baseline
▲ 0.50% · 4.625%
HK$44,034
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$83,016/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,452
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,618
−HK$1,182/mo
Today · 4.125%
HK$45,800
baseline
▲ 0.50% · 4.625%
HK$48,214
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,600/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,569
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,986
−HK$1,440/mo
Today · 4.125%
HK$48,426
baseline
▲ 0.50% · 4.625%
HK$51,373
+HK$2,947/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,852/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,695
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,054
−HK$1,379/mo
Today · 4.125%
HK$53,433
baseline
▲ 0.50% · 4.625%
HK$56,250
+HK$2,817/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,866/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,588
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,411
−HK$1,851/mo
Today · 4.125%
HK$62,262
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,789/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,524/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,179
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,927
−HK$1,773/mo
Today · 4.125%
HK$68,700
baseline
▲ 0.50% · 4.625%
HK$72,321
+HK$3,621/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,400/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,285 · Scale 2, in force from 26 Feb 2026)