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$32,514
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,526
−HK$1,027/mo
Today · 4.125%
HK$34,553
baseline
▲ 0.50% · 4.625%
HK$36,656
+HK$2,103/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,106/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,172
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$984/mo
Today · 4.125%
HK$38,126
baseline
▲ 0.50% · 4.625%
HK$40,136
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,252/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,017
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,231
−HK$1,233/mo
Today · 4.125%
HK$41,464
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,928/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,406
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,570
−HK$1,181/mo
Today · 4.125%
HK$45,751
baseline
▲ 0.50% · 4.625%
HK$48,163
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,502/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,520
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,439/mo
Today · 4.125%
HK$48,375
baseline
▲ 0.50% · 4.625%
HK$51,318
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,750/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,641
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,999
−HK$1,378/mo
Today · 4.125%
HK$53,377
baseline
▲ 0.50% · 4.625%
HK$56,190
+HK$2,813/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,754/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,526
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,346
−HK$1,850/mo
Today · 4.125%
HK$62,196
baseline
▲ 0.50% · 4.625%
HK$65,980
+HK$3,784/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,392/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,109
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,856
−HK$1,771/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,245
+HK$3,618/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,716 · Scale 2, in force from 26 Feb 2026)