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$32,693
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,710
−HK$1,033/mo
Today · 4.125%
HK$34,743
baseline
▲ 0.50% · 4.625%
HK$36,857
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,486/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,370
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,346
−HK$989/mo
Today · 4.125%
HK$38,335
baseline
▲ 0.50% · 4.625%
HK$40,356
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,670/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,231
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,452
−HK$1,239/mo
Today · 4.125%
HK$41,691
baseline
▲ 0.50% · 4.625%
HK$44,228
+HK$2,537/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,382/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,644
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,815
−HK$1,187/mo
Today · 4.125%
HK$46,002
baseline
▲ 0.50% · 4.625%
HK$48,427
+HK$2,425/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$92,004/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,770
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,193
−HK$1,447/mo
Today · 4.125%
HK$48,640
baseline
▲ 0.50% · 4.625%
HK$51,600
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,280/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,918
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,284
−HK$1,385/mo
Today · 4.125%
HK$53,669
baseline
▲ 0.50% · 4.625%
HK$56,498
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,338/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,847
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,677
−HK$1,860/mo
Today · 4.125%
HK$62,537
baseline
▲ 0.50% · 4.625%
HK$66,342
+HK$3,805/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,074/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,467
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,222
−HK$1,781/mo
Today · 4.125%
HK$69,003
baseline
▲ 0.50% · 4.625%
HK$72,641
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$138,006/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,649 · Scale 2, in force from 26 Feb 2026)