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$32,714
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,732
−HK$1,034/mo
Today · 4.125%
HK$34,766
baseline
▲ 0.50% · 4.625%
HK$36,881
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,532/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,394
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,370
−HK$991/mo
Today · 4.125%
HK$38,361
baseline
▲ 0.50% · 4.625%
HK$40,383
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,722/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,257
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,478
−HK$1,241/mo
Today · 4.125%
HK$41,719
baseline
▲ 0.50% · 4.625%
HK$44,257
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,438/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,673
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,844
−HK$1,189/mo
Today · 4.125%
HK$46,033
baseline
▲ 0.50% · 4.625%
HK$48,459
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,066/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,800
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,225
−HK$1,447/mo
Today · 4.125%
HK$48,672
baseline
▲ 0.50% · 4.625%
HK$51,634
+HK$2,962/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,344/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,952
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,319
−HK$1,386/mo
Today · 4.125%
HK$53,705
baseline
▲ 0.50% · 4.625%
HK$56,536
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,410/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,886
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,717
−HK$1,861/mo
Today · 4.125%
HK$62,578
baseline
▲ 0.50% · 4.625%
HK$66,386
+HK$3,808/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,156/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,510
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,267
−HK$1,782/mo
Today · 4.125%
HK$69,049
baseline
▲ 0.50% · 4.625%
HK$72,689
+HK$3,640/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,098/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,004 · Scale 2, in force from 26 Feb 2026)