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$32,674
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,690
−HK$1,033/mo
Today · 4.125%
HK$34,723
baseline
▲ 0.50% · 4.625%
HK$36,836
+HK$2,113/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,446/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,349
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,324
−HK$989/mo
Today · 4.125%
HK$38,313
baseline
▲ 0.50% · 4.625%
HK$40,333
+HK$2,020/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,626/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,209
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,428
−HK$1,239/mo
Today · 4.125%
HK$41,667
baseline
▲ 0.50% · 4.625%
HK$44,203
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,334/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,619
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,789
−HK$1,187/mo
Today · 4.125%
HK$45,976
baseline
▲ 0.50% · 4.625%
HK$48,399
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,952/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,743
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,446/mo
Today · 4.125%
HK$48,612
baseline
▲ 0.50% · 4.625%
HK$51,570
+HK$2,958/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,224/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,889
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,254
−HK$1,385/mo
Today · 4.125%
HK$53,639
baseline
▲ 0.50% · 4.625%
HK$56,466
+HK$2,827/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,278/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,813
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,642
−HK$1,859/mo
Today · 4.125%
HK$62,501
baseline
▲ 0.50% · 4.625%
HK$66,304
+HK$3,803/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,002/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,429
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,184
−HK$1,780/mo
Today · 4.125%
HK$68,964
baseline
▲ 0.50% · 4.625%
HK$72,599
+HK$3,635/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,928/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,340 · Scale 2, in force from 26 Feb 2026)