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$32,704
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,722
−HK$1,033/mo
Today · 4.125%
HK$34,755
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,510/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,383
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$990/mo
Today · 4.125%
HK$38,349
baseline
▲ 0.50% · 4.625%
HK$40,370
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,698/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,245
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,466
−HK$1,240/mo
Today · 4.125%
HK$41,706
baseline
▲ 0.50% · 4.625%
HK$44,244
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,412/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,660
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,831
−HK$1,188/mo
Today · 4.125%
HK$46,019
baseline
▲ 0.50% · 4.625%
HK$48,444
+HK$2,425/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,038/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,786
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,210
−HK$1,447/mo
Today · 4.125%
HK$48,657
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,961/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,314/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,936
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,303
−HK$1,385/mo
Today · 4.125%
HK$53,688
baseline
▲ 0.50% · 4.625%
HK$56,518
+HK$2,830/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,376/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,868
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,699
−HK$1,860/mo
Today · 4.125%
HK$62,559
baseline
▲ 0.50% · 4.625%
HK$66,366
+HK$3,807/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,118/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,490
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,246
−HK$1,782/mo
Today · 4.125%
HK$69,028
baseline
▲ 0.50% · 4.625%
HK$72,666
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,056/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,839 · Scale 2, in force from 26 Feb 2026)