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$32,676
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,692
−HK$1,033/mo
Today · 4.125%
HK$34,725
baseline
▲ 0.50% · 4.625%
HK$36,838
+HK$2,113/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,450/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,352
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,327
−HK$989/mo
Today · 4.125%
HK$38,316
baseline
▲ 0.50% · 4.625%
HK$40,335
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,632/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,211
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,431
−HK$1,239/mo
Today · 4.125%
HK$41,670
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,340/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,622
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,792
−HK$1,187/mo
Today · 4.125%
HK$45,979
baseline
▲ 0.50% · 4.625%
HK$48,402
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,958/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,746
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,169
−HK$1,446/mo
Today · 4.125%
HK$48,615
baseline
▲ 0.50% · 4.625%
HK$51,573
+HK$2,958/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,230/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,892
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,257
−HK$1,385/mo
Today · 4.125%
HK$53,642
baseline
▲ 0.50% · 4.625%
HK$56,469
+HK$2,827/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,284/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,817
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,646
−HK$1,859/mo
Today · 4.125%
HK$62,505
baseline
▲ 0.50% · 4.625%
HK$66,308
+HK$3,803/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,010/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,433
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,188
−HK$1,780/mo
Today · 4.125%
HK$68,968
baseline
▲ 0.50% · 4.625%
HK$72,604
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,936/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,374 · Scale 2, in force from 26 Feb 2026)