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$32,654
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,670
−HK$1,032/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,328
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$988/mo
Today · 4.125%
HK$38,290
baseline
▲ 0.50% · 4.625%
HK$40,309
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,580/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,185
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,404
−HK$1,238/mo
Today · 4.125%
HK$41,642
baseline
▲ 0.50% · 4.625%
HK$44,176
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,284/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,593
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,762
−HK$1,186/mo
Today · 4.125%
HK$45,948
baseline
▲ 0.50% · 4.625%
HK$48,370
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,896/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,716
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,138
−HK$1,445/mo
Today · 4.125%
HK$48,583
baseline
▲ 0.50% · 4.625%
HK$51,539
+HK$2,956/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,166/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,859
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,223
−HK$1,383/mo
Today · 4.125%
HK$53,606
baseline
▲ 0.50% · 4.625%
HK$56,432
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,212/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,778
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,606
−HK$1,858/mo
Today · 4.125%
HK$62,464
baseline
▲ 0.50% · 4.625%
HK$66,264
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,928/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,390
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,143
−HK$1,779/mo
Today · 4.125%
HK$68,922
baseline
▲ 0.50% · 4.625%
HK$72,555
+HK$3,633/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,844/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,017 · Scale 2, in force from 26 Feb 2026)