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$32,681
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,698
−HK$1,033/mo
Today · 4.125%
HK$34,731
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$2,113/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,462/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,358
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$989/mo
Today · 4.125%
HK$38,322
baseline
▲ 0.50% · 4.625%
HK$40,342
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,644/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,217
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,437
−HK$1,240/mo
Today · 4.125%
HK$41,677
baseline
▲ 0.50% · 4.625%
HK$44,213
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,354/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,629
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,799
−HK$1,187/mo
Today · 4.125%
HK$45,986
baseline
▲ 0.50% · 4.625%
HK$48,410
+HK$2,424/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,972/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,754
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,177
−HK$1,446/mo
Today · 4.125%
HK$48,623
baseline
▲ 0.50% · 4.625%
HK$51,581
+HK$2,958/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,246/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,901
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,266
−HK$1,385/mo
Today · 4.125%
HK$53,651
baseline
▲ 0.50% · 4.625%
HK$56,479
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,302/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,826
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,656
−HK$1,859/mo
Today · 4.125%
HK$62,515
baseline
▲ 0.50% · 4.625%
HK$66,319
+HK$3,804/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,030/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,444
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,199
−HK$1,780/mo
Today · 4.125%
HK$68,979
baseline
▲ 0.50% · 4.625%
HK$72,615
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,958/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,460 · Scale 2, in force from 26 Feb 2026)