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$32,651
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,666
−HK$1,032/mo
Today · 4.125%
HK$34,698
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,396/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,323
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,298
−HK$988/mo
Today · 4.125%
HK$38,286
baseline
▲ 0.50% · 4.625%
HK$40,304
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,572/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,181
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,399
−HK$1,239/mo
Today · 4.125%
HK$41,638
baseline
▲ 0.50% · 4.625%
HK$44,171
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,276/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,588
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,757
−HK$1,186/mo
Today · 4.125%
HK$45,943
baseline
▲ 0.50% · 4.625%
HK$48,365
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,886/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,711
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,133
−HK$1,444/mo
Today · 4.125%
HK$48,577
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,956/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,154/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,853
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,217
−HK$1,383/mo
Today · 4.125%
HK$53,600
baseline
▲ 0.50% · 4.625%
HK$56,426
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,200/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,771
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,599
−HK$1,857/mo
Today · 4.125%
HK$62,456
baseline
▲ 0.50% · 4.625%
HK$66,257
+HK$3,801/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,912/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,382
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,136
−HK$1,779/mo
Today · 4.125%
HK$68,915
baseline
▲ 0.50% · 4.625%
HK$72,547
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,830/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,956 · Scale 2, in force from 26 Feb 2026)