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$32,500
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,511
−HK$1,027/mo
Today · 4.125%
HK$34,538
baseline
▲ 0.50% · 4.625%
HK$36,639
+HK$2,101/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,076/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,156
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,125
−HK$984/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,118
+HK$2,009/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,000
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,213
−HK$1,233/mo
Today · 4.125%
HK$41,446
baseline
▲ 0.50% · 4.625%
HK$43,967
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,892/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,387
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,551
−HK$1,180/mo
Today · 4.125%
HK$45,731
baseline
▲ 0.50% · 4.625%
HK$48,142
+HK$2,411/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,462/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$534,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,500
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,915
−HK$1,438/mo
Today · 4.125%
HK$48,353
baseline
▲ 0.50% · 4.625%
HK$51,295
+HK$2,942/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$96,706/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,618
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,976
−HK$1,377/mo
Today · 4.125%
HK$53,353
baseline
▲ 0.50% · 4.625%
HK$56,165
+HK$2,812/mo
Deposit HK$4.28M · loan HK$9.98M · min. income ≈ HK$106,706/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,500
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,319
−HK$1,849/mo
Today · 4.125%
HK$62,168
baseline
▲ 0.50% · 4.625%
HK$65,951
+HK$3,783/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$124,336/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,080
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,826
−HK$1,771/mo
Today · 4.125%
HK$68,597
baseline
▲ 0.50% · 4.625%
HK$72,212
+HK$3,615/mo
Deposit HK$1.43M · loan HK$12.83M · min. income ≈ HK$137,194/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,478 · Scale 2, in force from 26 Feb 2026)