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$32,658
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$1,032/mo
Today · 4.125%
HK$34,706
baseline
▲ 0.50% · 4.625%
HK$36,818
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,412/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,332
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,306
−HK$989/mo
Today · 4.125%
HK$38,295
baseline
▲ 0.50% · 4.625%
HK$40,313
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,590/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,190
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,238/mo
Today · 4.125%
HK$41,647
baseline
▲ 0.50% · 4.625%
HK$44,181
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,294/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,598
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,767
−HK$1,187/mo
Today · 4.125%
HK$45,954
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,908/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,721
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,143
−HK$1,445/mo
Today · 4.125%
HK$48,588
baseline
▲ 0.50% · 4.625%
HK$51,545
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,176/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,864
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,229
−HK$1,383/mo
Today · 4.125%
HK$53,612
baseline
▲ 0.50% · 4.625%
HK$56,438
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,224/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,784
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,613
−HK$1,858/mo
Today · 4.125%
HK$62,471
baseline
▲ 0.50% · 4.625%
HK$66,272
+HK$3,801/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,942/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,397
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,151
−HK$1,779/mo
Today · 4.125%
HK$68,930
baseline
▲ 0.50% · 4.625%
HK$72,564
+HK$3,634/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,860/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,078 · Scale 2, in force from 26 Feb 2026)