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$32,533
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,545
−HK$1,028/mo
Today · 4.125%
HK$34,573
baseline
▲ 0.50% · 4.625%
HK$36,677
+HK$2,104/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,146/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,193
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,163
−HK$985/mo
Today · 4.125%
HK$38,148
baseline
▲ 0.50% · 4.625%
HK$40,159
+HK$2,011/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,296/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,040
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,254
−HK$1,234/mo
Today · 4.125%
HK$41,488
baseline
▲ 0.50% · 4.625%
HK$44,012
+HK$2,524/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,976/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,431
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,596
−HK$1,182/mo
Today · 4.125%
HK$45,778
baseline
▲ 0.50% · 4.625%
HK$48,191
+HK$2,413/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,556/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,546
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,963
−HK$1,439/mo
Today · 4.125%
HK$48,402
baseline
▲ 0.50% · 4.625%
HK$51,347
+HK$2,945/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,804/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,670
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,029
−HK$1,378/mo
Today · 4.125%
HK$53,407
baseline
▲ 0.50% · 4.625%
HK$56,222
+HK$2,815/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,814/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,559
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,381
−HK$1,851/mo
Today · 4.125%
HK$62,232
baseline
▲ 0.50% · 4.625%
HK$66,018
+HK$3,786/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,464/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,147
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,894
−HK$1,772/mo
Today · 4.125%
HK$68,666
baseline
▲ 0.50% · 4.625%
HK$72,286
+HK$3,620/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,332/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,022 · Scale 2, in force from 26 Feb 2026)