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$32,516
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,528
−HK$1,028/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,658
+HK$2,102/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,174
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,144
−HK$985/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,138
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,020
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,233
−HK$1,234/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,990
+HK$2,523/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,409
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,573
−HK$1,181/mo
Today · 4.125%
HK$45,754
baseline
▲ 0.50% · 4.625%
HK$48,166
+HK$2,412/mo
Deposit HK$5.70M · loan HK$8.56M · min. income ≈ HK$91,508/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,523
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,939
−HK$1,439/mo
Today · 4.125%
HK$48,378
baseline
▲ 0.50% · 4.625%
HK$51,321
+HK$2,943/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,756/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,644
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,002
−HK$1,378/mo
Today · 4.125%
HK$53,380
baseline
▲ 0.50% · 4.625%
HK$56,194
+HK$2,814/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,760/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,530
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,350
−HK$1,850/mo
Today · 4.125%
HK$62,200
baseline
▲ 0.50% · 4.625%
HK$65,985
+HK$3,785/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,400/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,114
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,860
−HK$1,772/mo
Today · 4.125%
HK$68,632
baseline
▲ 0.50% · 4.625%
HK$72,249
+HK$3,617/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,264/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,750 · Scale 2, in force from 26 Feb 2026)