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$32,655
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,671
−HK$1,032/mo
Today · 4.125%
HK$34,703
baseline
▲ 0.50% · 4.625%
HK$36,814
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,406/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,328
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,303
−HK$988/mo
Today · 4.125%
HK$38,291
baseline
▲ 0.50% · 4.625%
HK$40,309
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,582/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,186
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,405
−HK$1,238/mo
Today · 4.125%
HK$41,643
baseline
▲ 0.50% · 4.625%
HK$44,177
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,286/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,594
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,763
−HK$1,186/mo
Today · 4.125%
HK$45,949
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,898/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,717
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,139
−HK$1,445/mo
Today · 4.125%
HK$48,584
baseline
▲ 0.50% · 4.625%
HK$51,540
+HK$2,956/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,168/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,860
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,224
−HK$1,383/mo
Today · 4.125%
HK$53,607
baseline
▲ 0.50% · 4.625%
HK$56,433
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,214/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,779
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,607
−HK$1,858/mo
Today · 4.125%
HK$62,465
baseline
▲ 0.50% · 4.625%
HK$66,266
+HK$3,801/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,930/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,391
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,145
−HK$1,779/mo
Today · 4.125%
HK$68,924
baseline
▲ 0.50% · 4.625%
HK$72,557
+HK$3,633/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,848/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,028 · Scale 2, in force from 26 Feb 2026)