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$32,686
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,702
−HK$1,033/mo
Today · 4.125%
HK$34,735
baseline
▲ 0.50% · 4.625%
HK$36,849
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,470/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,362
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,338
−HK$989/mo
Today · 4.125%
HK$38,327
baseline
▲ 0.50% · 4.625%
HK$40,347
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,654/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,223
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,443
−HK$1,239/mo
Today · 4.125%
HK$41,682
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,537/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,364/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,635
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,805
−HK$1,187/mo
Today · 4.125%
HK$45,992
baseline
▲ 0.50% · 4.625%
HK$48,417
+HK$2,425/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,984/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,760
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,183
−HK$1,446/mo
Today · 4.125%
HK$48,629
baseline
▲ 0.50% · 4.625%
HK$51,588
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,258/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,907
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,273
−HK$1,385/mo
Today · 4.125%
HK$53,658
baseline
▲ 0.50% · 4.625%
HK$56,486
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,316/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,834
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,664
−HK$1,860/mo
Today · 4.125%
HK$62,524
baseline
▲ 0.50% · 4.625%
HK$66,328
+HK$3,804/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,048/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,452
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,208
−HK$1,781/mo
Today · 4.125%
HK$68,989
baseline
▲ 0.50% · 4.625%
HK$72,625
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,978/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,533 · Scale 2, in force from 26 Feb 2026)