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$32,653
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$1,032/mo
Today · 4.125%
HK$34,701
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,402/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,327
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,301
−HK$988/mo
Today · 4.125%
HK$38,289
baseline
▲ 0.50% · 4.625%
HK$40,307
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,578/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,184
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,403
−HK$1,238/mo
Today · 4.125%
HK$41,641
baseline
▲ 0.50% · 4.625%
HK$44,175
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,282/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,592
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,761
−HK$1,186/mo
Today · 4.125%
HK$45,947
baseline
▲ 0.50% · 4.625%
HK$48,369
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,894/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,715
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,137
−HK$1,444/mo
Today · 4.125%
HK$48,581
baseline
▲ 0.50% · 4.625%
HK$51,538
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,162/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,857
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,221
−HK$1,384/mo
Today · 4.125%
HK$53,605
baseline
▲ 0.50% · 4.625%
HK$56,430
+HK$2,825/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,210/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,776
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,604
−HK$1,858/mo
Today · 4.125%
HK$62,462
baseline
▲ 0.50% · 4.625%
HK$66,263
+HK$3,801/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,924/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,388
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,142
−HK$1,779/mo
Today · 4.125%
HK$68,921
baseline
▲ 0.50% · 4.625%
HK$72,553
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,842/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,003 · Scale 2, in force from 26 Feb 2026)