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$32,645
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$1,031/mo
Today · 4.125%
HK$34,692
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,384/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,317
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,291
−HK$988/mo
Today · 4.125%
HK$38,279
baseline
▲ 0.50% · 4.625%
HK$40,297
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,558/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,393
−HK$1,238/mo
Today · 4.125%
HK$41,631
baseline
▲ 0.50% · 4.625%
HK$44,164
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,262/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,581
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,750
−HK$1,185/mo
Today · 4.125%
HK$45,935
baseline
▲ 0.50% · 4.625%
HK$48,357
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,870/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,703
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,125
−HK$1,444/mo
Today · 4.125%
HK$48,569
baseline
▲ 0.50% · 4.625%
HK$51,524
+HK$2,955/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,138/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,844
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,208
−HK$1,383/mo
Today · 4.125%
HK$53,591
baseline
▲ 0.50% · 4.625%
HK$56,416
+HK$2,825/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,182/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,761
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,589
−HK$1,857/mo
Today · 4.125%
HK$62,446
baseline
▲ 0.50% · 4.625%
HK$66,246
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,892/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,371
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,125
−HK$1,778/mo
Today · 4.125%
HK$68,903
baseline
▲ 0.50% · 4.625%
HK$72,535
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,806/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,867 · Scale 2, in force from 26 Feb 2026)