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$32,633
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,648
−HK$1,031/mo
Today · 4.125%
HK$34,679
baseline
▲ 0.50% · 4.625%
HK$36,789
+HK$2,110/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,358/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,304
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,277
−HK$988/mo
Today · 4.125%
HK$38,265
baseline
▲ 0.50% · 4.625%
HK$40,282
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,530/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,160
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,378
−HK$1,237/mo
Today · 4.125%
HK$41,615
baseline
▲ 0.50% · 4.625%
HK$44,147
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,230/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,565
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,733
−HK$1,185/mo
Today · 4.125%
HK$45,918
baseline
▲ 0.50% · 4.625%
HK$48,339
+HK$2,421/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$91,836/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,686
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,107
−HK$1,444/mo
Today · 4.125%
HK$48,551
baseline
▲ 0.50% · 4.625%
HK$51,505
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,102/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,825
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,188
−HK$1,383/mo
Today · 4.125%
HK$53,571
baseline
▲ 0.50% · 4.625%
HK$56,395
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,142/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,739
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,566
−HK$1,857/mo
Today · 4.125%
HK$62,423
baseline
▲ 0.50% · 4.625%
HK$66,221
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,846/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,347
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,099
−HK$1,778/mo
Today · 4.125%
HK$68,877
baseline
▲ 0.50% · 4.625%
HK$72,508
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,754/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,666 · Scale 2, in force from 26 Feb 2026)