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$32,705
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,722
−HK$1,033/mo
Today · 4.125%
HK$34,755
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,510/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,384
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$990/mo
Today · 4.125%
HK$38,349
baseline
▲ 0.50% · 4.625%
HK$40,371
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,698/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,246
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,466
−HK$1,241/mo
Today · 4.125%
HK$41,707
baseline
▲ 0.50% · 4.625%
HK$44,244
+HK$2,537/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,414/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,660
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,831
−HK$1,188/mo
Today · 4.125%
HK$46,019
baseline
▲ 0.50% · 4.625%
HK$48,445
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,038/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,786
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,211
−HK$1,447/mo
Today · 4.125%
HK$48,658
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,316/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,937
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,303
−HK$1,386/mo
Today · 4.125%
HK$53,689
baseline
▲ 0.50% · 4.625%
HK$56,519
+HK$2,830/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,378/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,868
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,699
−HK$1,861/mo
Today · 4.125%
HK$62,560
baseline
▲ 0.50% · 4.625%
HK$66,366
+HK$3,806/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,120/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,490
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,247
−HK$1,782/mo
Today · 4.125%
HK$69,029
baseline
▲ 0.50% · 4.625%
HK$72,667
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,058/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,844 · Scale 2, in force from 26 Feb 2026)