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$32,687
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,704
−HK$1,033/mo
Today · 4.125%
HK$34,737
baseline
▲ 0.50% · 4.625%
HK$36,851
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,474/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,364
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$989/mo
Today · 4.125%
HK$38,329
baseline
▲ 0.50% · 4.625%
HK$40,349
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,658/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,225
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,445
−HK$1,240/mo
Today · 4.125%
HK$41,685
baseline
▲ 0.50% · 4.625%
HK$44,221
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,370/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,637
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,808
−HK$1,187/mo
Today · 4.125%
HK$45,995
baseline
▲ 0.50% · 4.625%
HK$48,419
+HK$2,424/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,990/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,762
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,186
−HK$1,446/mo
Today · 4.125%
HK$48,632
baseline
▲ 0.50% · 4.625%
HK$51,591
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,264/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,910
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,276
−HK$1,385/mo
Today · 4.125%
HK$53,661
baseline
▲ 0.50% · 4.625%
HK$56,489
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,322/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,837
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,667
−HK$1,860/mo
Today · 4.125%
HK$62,527
baseline
▲ 0.50% · 4.625%
HK$66,332
+HK$3,805/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,054/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,456
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,211
−HK$1,781/mo
Today · 4.125%
HK$68,992
baseline
▲ 0.50% · 4.625%
HK$72,629
+HK$3,637/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,984/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,562 · Scale 2, in force from 26 Feb 2026)