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$32,528
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,539
−HK$1,028/mo
Today · 4.125%
HK$34,567
baseline
▲ 0.50% · 4.625%
HK$36,671
+HK$2,104/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,134/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,187
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,157
−HK$985/mo
Today · 4.125%
HK$38,142
baseline
▲ 0.50% · 4.625%
HK$40,152
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,284/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$534,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,033
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,234/mo
Today · 4.125%
HK$41,481
baseline
▲ 0.50% · 4.625%
HK$44,005
+HK$2,524/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,962/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,424
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,589
−HK$1,181/mo
Today · 4.125%
HK$45,770
baseline
▲ 0.50% · 4.625%
HK$48,183
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,540/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,539
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,955
−HK$1,439/mo
Today · 4.125%
HK$48,394
baseline
▲ 0.50% · 4.625%
HK$51,339
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,788/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,661
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,020
−HK$1,378/mo
Today · 4.125%
HK$53,398
baseline
▲ 0.50% · 4.625%
HK$56,213
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,796/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,550
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,371
−HK$1,850/mo
Today · 4.125%
HK$62,221
baseline
▲ 0.50% · 4.625%
HK$66,007
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,442/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,136
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,883
−HK$1,772/mo
Today · 4.125%
HK$68,655
baseline
▲ 0.50% · 4.625%
HK$72,274
+HK$3,619/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,310/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,934 · Scale 2, in force from 26 Feb 2026)