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$32,696
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,713
−HK$1,033/mo
Today · 4.125%
HK$34,746
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,492/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,374
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,349
−HK$990/mo
Today · 4.125%
HK$38,339
baseline
▲ 0.50% · 4.625%
HK$40,360
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,678/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,235
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,455
−HK$1,240/mo
Today · 4.125%
HK$41,695
baseline
▲ 0.50% · 4.625%
HK$44,232
+HK$2,537/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$83,390/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,649
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,819
−HK$1,188/mo
Today · 4.125%
HK$46,007
baseline
▲ 0.50% · 4.625%
HK$48,432
+HK$2,425/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$92,014/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,774
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,198
−HK$1,447/mo
Today · 4.125%
HK$48,645
baseline
▲ 0.50% · 4.625%
HK$51,605
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,290/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,923
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,289
−HK$1,386/mo
Today · 4.125%
HK$53,675
baseline
▲ 0.50% · 4.625%
HK$56,504
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,350/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,853
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,683
−HK$1,860/mo
Today · 4.125%
HK$62,543
baseline
▲ 0.50% · 4.625%
HK$66,349
+HK$3,806/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,086/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,473
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,229
−HK$1,781/mo
Today · 4.125%
HK$69,010
baseline
▲ 0.50% · 4.625%
HK$72,648
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$138,020/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,701 · Scale 2, in force from 26 Feb 2026)