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$32,636
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,651
−HK$1,032/mo
Today · 4.125%
HK$34,683
baseline
▲ 0.50% · 4.625%
HK$36,793
+HK$2,110/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,366/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,307
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,281
−HK$988/mo
Today · 4.125%
HK$38,269
baseline
▲ 0.50% · 4.625%
HK$40,286
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,538/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,163
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,237/mo
Today · 4.125%
HK$41,619
baseline
▲ 0.50% · 4.625%
HK$44,152
+HK$2,533/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,238/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,569
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,737
−HK$1,186/mo
Today · 4.125%
HK$45,923
baseline
▲ 0.50% · 4.625%
HK$48,343
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$91,846/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,691
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,112
−HK$1,444/mo
Today · 4.125%
HK$48,556
baseline
▲ 0.50% · 4.625%
HK$51,510
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,112/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,830
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,193
−HK$1,383/mo
Today · 4.125%
HK$53,576
baseline
▲ 0.50% · 4.625%
HK$56,401
+HK$2,825/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,152/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,745
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,572
−HK$1,857/mo
Today · 4.125%
HK$62,429
baseline
▲ 0.50% · 4.625%
HK$66,227
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,858/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,353
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,106
−HK$1,778/mo
Today · 4.125%
HK$68,884
baseline
▲ 0.50% · 4.625%
HK$72,515
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,768/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,718 · Scale 2, in force from 26 Feb 2026)