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$32,550
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$1,029/mo
Today · 4.125%
HK$34,591
baseline
▲ 0.50% · 4.625%
HK$36,696
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,182/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,211
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,182
−HK$986/mo
Today · 4.125%
HK$38,168
baseline
▲ 0.50% · 4.625%
HK$40,179
+HK$2,011/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,336/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,060
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,275
−HK$1,234/mo
Today · 4.125%
HK$41,509
baseline
▲ 0.50% · 4.625%
HK$44,035
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$83,018/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,453
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,619
−HK$1,182/mo
Today · 4.125%
HK$45,801
baseline
▲ 0.50% · 4.625%
HK$48,215
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,602/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,570
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,440/mo
Today · 4.125%
HK$48,427
baseline
▲ 0.50% · 4.625%
HK$51,374
+HK$2,947/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,854/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,696
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,055
−HK$1,380/mo
Today · 4.125%
HK$53,435
baseline
▲ 0.50% · 4.625%
HK$56,251
+HK$2,816/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,870/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,589
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,412
−HK$1,851/mo
Today · 4.125%
HK$62,263
baseline
▲ 0.50% · 4.625%
HK$66,052
+HK$3,789/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,526/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,180
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,928
−HK$1,774/mo
Today · 4.125%
HK$68,702
baseline
▲ 0.50% · 4.625%
HK$72,323
+HK$3,621/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,404/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,296 · Scale 2, in force from 26 Feb 2026)