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$32,644
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,659
−HK$1,032/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,802
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,382/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,290
−HK$988/mo
Today · 4.125%
HK$38,278
baseline
▲ 0.50% · 4.625%
HK$40,296
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,556/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,173
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,391
−HK$1,238/mo
Today · 4.125%
HK$41,629
baseline
▲ 0.50% · 4.625%
HK$44,162
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,258/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,579
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,748
−HK$1,185/mo
Today · 4.125%
HK$45,933
baseline
▲ 0.50% · 4.625%
HK$48,355
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,866/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,701
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,123
−HK$1,444/mo
Today · 4.125%
HK$48,567
baseline
▲ 0.50% · 4.625%
HK$51,522
+HK$2,955/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,134/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,842
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,206
−HK$1,383/mo
Today · 4.125%
HK$53,589
baseline
▲ 0.50% · 4.625%
HK$56,414
+HK$2,825/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,178/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,759
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,587
−HK$1,856/mo
Today · 4.125%
HK$62,443
baseline
▲ 0.50% · 4.625%
HK$66,243
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,886/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,369
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,122
−HK$1,778/mo
Today · 4.125%
HK$68,900
baseline
▲ 0.50% · 4.625%
HK$72,532
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,800/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,844 · Scale 2, in force from 26 Feb 2026)