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$32,670
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,687
−HK$1,032/mo
Today · 4.125%
HK$34,719
baseline
▲ 0.50% · 4.625%
HK$36,832
+HK$2,113/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,438/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,345
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,320
−HK$989/mo
Today · 4.125%
HK$38,309
baseline
▲ 0.50% · 4.625%
HK$40,328
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,618/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,204
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,424
−HK$1,239/mo
Today · 4.125%
HK$41,663
baseline
▲ 0.50% · 4.625%
HK$44,198
+HK$2,535/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,326/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,614
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,784
−HK$1,187/mo
Today · 4.125%
HK$45,971
baseline
▲ 0.50% · 4.625%
HK$48,394
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,942/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,738
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,161
−HK$1,446/mo
Today · 4.125%
HK$48,607
baseline
▲ 0.50% · 4.625%
HK$51,564
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,214/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,884
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,248
−HK$1,385/mo
Today · 4.125%
HK$53,633
baseline
▲ 0.50% · 4.625%
HK$56,460
+HK$2,827/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,266/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,807
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,636
−HK$1,858/mo
Today · 4.125%
HK$62,494
baseline
▲ 0.50% · 4.625%
HK$66,297
+HK$3,803/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,988/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,422
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,176
−HK$1,780/mo
Today · 4.125%
HK$68,956
baseline
▲ 0.50% · 4.625%
HK$72,591
+HK$3,635/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,912/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,281 · Scale 2, in force from 26 Feb 2026)