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$32,554
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,567
−HK$1,029/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,701
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,216
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,187
−HK$986/mo
Today · 4.125%
HK$38,173
baseline
▲ 0.50% · 4.625%
HK$40,185
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,346/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,065
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,280
−HK$1,235/mo
Today · 4.125%
HK$41,515
baseline
▲ 0.50% · 4.625%
HK$44,041
+HK$2,526/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,030/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,459
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,625
−HK$1,182/mo
Today · 4.125%
HK$45,807
baseline
▲ 0.50% · 4.625%
HK$48,222
+HK$2,415/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,614/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,576
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,993
−HK$1,441/mo
Today · 4.125%
HK$48,434
baseline
▲ 0.50% · 4.625%
HK$51,381
+HK$2,947/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,868/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,703
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,062
−HK$1,380/mo
Today · 4.125%
HK$53,442
baseline
▲ 0.50% · 4.625%
HK$56,259
+HK$2,817/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,884/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,597
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,420
−HK$1,852/mo
Today · 4.125%
HK$62,272
baseline
▲ 0.50% · 4.625%
HK$66,061
+HK$3,789/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,544/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,189
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,937
−HK$1,774/mo
Today · 4.125%
HK$68,711
baseline
▲ 0.50% · 4.625%
HK$72,333
+HK$3,622/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,422/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,370 · Scale 2, in force from 26 Feb 2026)