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$32,721
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,738
−HK$1,034/mo
Today · 4.125%
HK$34,772
baseline
▲ 0.50% · 4.625%
HK$36,888
+HK$2,116/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,544/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,401
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,378
−HK$990/mo
Today · 4.125%
HK$38,368
baseline
▲ 0.50% · 4.625%
HK$40,390
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,736/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,265
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,486
−HK$1,241/mo
Today · 4.125%
HK$41,727
baseline
▲ 0.50% · 4.625%
HK$44,266
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,454/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,682
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,853
−HK$1,189/mo
Today · 4.125%
HK$46,042
baseline
▲ 0.50% · 4.625%
HK$48,468
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,084/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,809
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,234
−HK$1,447/mo
Today · 4.125%
HK$48,681
baseline
▲ 0.50% · 4.625%
HK$51,644
+HK$2,963/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,362/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,962
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,329
−HK$1,386/mo
Today · 4.125%
HK$53,715
baseline
▲ 0.50% · 4.625%
HK$56,547
+HK$2,832/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,430/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,897
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,729
−HK$1,861/mo
Today · 4.125%
HK$62,590
baseline
▲ 0.50% · 4.625%
HK$66,399
+HK$3,809/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,180/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,522
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,280
−HK$1,782/mo
Today · 4.125%
HK$69,062
baseline
▲ 0.50% · 4.625%
HK$72,703
+HK$3,641/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,124/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,107 · Scale 2, in force from 26 Feb 2026)