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$32,553
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,566
−HK$1,028/mo
Today · 4.125%
HK$34,594
baseline
▲ 0.50% · 4.625%
HK$36,699
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,188/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,215
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,186
−HK$986/mo
Today · 4.125%
HK$38,172
baseline
▲ 0.50% · 4.625%
HK$40,184
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,344/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,064
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,279
−HK$1,234/mo
Today · 4.125%
HK$41,513
baseline
▲ 0.50% · 4.625%
HK$44,039
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,026/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,458
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,624
−HK$1,182/mo
Today · 4.125%
HK$45,806
baseline
▲ 0.50% · 4.625%
HK$48,220
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,612/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,574
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,992
−HK$1,440/mo
Today · 4.125%
HK$48,432
baseline
▲ 0.50% · 4.625%
HK$51,379
+HK$2,947/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,864/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,701
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,061
−HK$1,379/mo
Today · 4.125%
HK$53,440
baseline
▲ 0.50% · 4.625%
HK$56,257
+HK$2,817/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,880/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,596
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,418
−HK$1,852/mo
Today · 4.125%
HK$62,270
baseline
▲ 0.50% · 4.625%
HK$66,059
+HK$3,789/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,540/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,187
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,935
−HK$1,774/mo
Today · 4.125%
HK$68,709
baseline
▲ 0.50% · 4.625%
HK$72,331
+HK$3,622/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,418/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,353 · Scale 2, in force from 26 Feb 2026)