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$32,934
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,959
−HK$1,041/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$37,129
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,639
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$997/mo
Today · 4.125%
HK$38,619
baseline
▲ 0.50% · 4.625%
HK$40,654
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,238/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,521
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,750
−HK$1,249/mo
Today · 4.125%
HK$41,999
baseline
▲ 0.50% · 4.625%
HK$44,555
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$83,998/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,967
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,146
−HK$1,196/mo
Today · 4.125%
HK$46,342
baseline
▲ 0.50% · 4.625%
HK$48,785
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,684/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,108
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,542
−HK$1,457/mo
Today · 4.125%
HK$48,999
baseline
▲ 0.50% · 4.625%
HK$51,981
+HK$2,982/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,998/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,295
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,670
−HK$1,396/mo
Today · 4.125%
HK$54,066
baseline
▲ 0.50% · 4.625%
HK$56,916
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,132/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,282
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,126
−HK$1,873/mo
Today · 4.125%
HK$62,999
baseline
▲ 0.50% · 4.625%
HK$66,832
+HK$3,833/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,998/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,950
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,719
−HK$1,794/mo
Today · 4.125%
HK$69,513
baseline
▲ 0.50% · 4.625%
HK$73,177
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,026/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,621 · Scale 2, in force from 26 Feb 2026)