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$32,662
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,678
−HK$1,033/mo
Today · 4.125%
HK$34,711
baseline
▲ 0.50% · 4.625%
HK$36,823
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,422/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,337
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,311
−HK$989/mo
Today · 4.125%
HK$38,300
baseline
▲ 0.50% · 4.625%
HK$40,319
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,600/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,195
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,414
−HK$1,239/mo
Today · 4.125%
HK$41,653
baseline
▲ 0.50% · 4.625%
HK$44,187
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,306/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,604
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,773
−HK$1,187/mo
Today · 4.125%
HK$45,960
baseline
▲ 0.50% · 4.625%
HK$48,382
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,920/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,727
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,150
−HK$1,445/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,552
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,871
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,236
−HK$1,384/mo
Today · 4.125%
HK$53,620
baseline
▲ 0.50% · 4.625%
HK$56,446
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,240/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,792
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,621
−HK$1,858/mo
Today · 4.125%
HK$62,479
baseline
▲ 0.50% · 4.625%
HK$66,281
+HK$3,802/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,958/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,406
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,160
−HK$1,780/mo
Today · 4.125%
HK$68,940
baseline
▲ 0.50% · 4.625%
HK$72,574
+HK$3,634/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,880/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,152 · Scale 2, in force from 26 Feb 2026)