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$32,632
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$1,031/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,788
+HK$2,110/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,303
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$988/mo
Today · 4.125%
HK$38,264
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,528/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,158
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,376
−HK$1,238/mo
Today · 4.125%
HK$41,614
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,228/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,563
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,732
−HK$1,185/mo
Today · 4.125%
HK$45,917
baseline
▲ 0.50% · 4.625%
HK$48,337
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$91,834/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,685
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,106
−HK$1,443/mo
Today · 4.125%
HK$48,549
baseline
▲ 0.50% · 4.625%
HK$51,504
+HK$2,955/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,098/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,824
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,383/mo
Today · 4.125%
HK$53,570
baseline
▲ 0.50% · 4.625%
HK$56,393
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,140/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,737
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,564
−HK$1,857/mo
Today · 4.125%
HK$62,421
baseline
▲ 0.50% · 4.625%
HK$66,219
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,842/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,345
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,097
−HK$1,778/mo
Today · 4.125%
HK$68,875
baseline
▲ 0.50% · 4.625%
HK$72,506
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,750/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,649 · Scale 2, in force from 26 Feb 2026)