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$32,698
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$1,033/mo
Today · 4.125%
HK$34,748
baseline
▲ 0.50% · 4.625%
HK$36,862
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,496/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,376
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,351
−HK$990/mo
Today · 4.125%
HK$38,341
baseline
▲ 0.50% · 4.625%
HK$40,362
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,682/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,237
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,458
−HK$1,240/mo
Today · 4.125%
HK$41,698
baseline
▲ 0.50% · 4.625%
HK$44,235
+HK$2,537/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$83,396/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,651
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,822
−HK$1,187/mo
Today · 4.125%
HK$46,009
baseline
▲ 0.50% · 4.625%
HK$48,435
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$92,018/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,777
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,201
−HK$1,446/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,607
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,926
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,292
−HK$1,386/mo
Today · 4.125%
HK$53,678
baseline
▲ 0.50% · 4.625%
HK$56,507
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,356/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,856
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,687
−HK$1,860/mo
Today · 4.125%
HK$62,547
baseline
▲ 0.50% · 4.625%
HK$66,352
+HK$3,805/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,094/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,477
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,233
−HK$1,781/mo
Today · 4.125%
HK$69,014
baseline
▲ 0.50% · 4.625%
HK$72,652
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,028/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,731 · Scale 2, in force from 26 Feb 2026)