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$32,520
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$1,028/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,663
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,179
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,149
−HK$984/mo
Today · 4.125%
HK$38,133
baseline
▲ 0.50% · 4.625%
HK$40,143
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,266/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,025
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,238
−HK$1,234/mo
Today · 4.125%
HK$41,472
baseline
▲ 0.50% · 4.625%
HK$43,995
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,944/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,414
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,579
−HK$1,181/mo
Today · 4.125%
HK$45,760
baseline
▲ 0.50% · 4.625%
HK$48,172
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,520/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,529
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,945
−HK$1,439/mo
Today · 4.125%
HK$48,384
baseline
▲ 0.50% · 4.625%
HK$51,328
+HK$2,944/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,768/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,650
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,009
−HK$1,378/mo
Today · 4.125%
HK$53,387
baseline
▲ 0.50% · 4.625%
HK$56,201
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,774/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,537
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,358
−HK$1,850/mo
Today · 4.125%
HK$62,208
baseline
▲ 0.50% · 4.625%
HK$65,993
+HK$3,785/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,416/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,122
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,868
−HK$1,772/mo
Today · 4.125%
HK$68,640
baseline
▲ 0.50% · 4.625%
HK$72,258
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,280/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,817 · Scale 2, in force from 26 Feb 2026)