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$32,680
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,697
−HK$1,032/mo
Today · 4.125%
HK$34,729
baseline
▲ 0.50% · 4.625%
HK$36,843
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,458/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,331
−HK$989/mo
Today · 4.125%
HK$38,320
baseline
▲ 0.50% · 4.625%
HK$40,340
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,640/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,216
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,436
−HK$1,239/mo
Today · 4.125%
HK$41,675
baseline
▲ 0.50% · 4.625%
HK$44,211
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,350/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,628
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,798
−HK$1,187/mo
Today · 4.125%
HK$45,985
baseline
▲ 0.50% · 4.625%
HK$48,408
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,970/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,752
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,175
−HK$1,446/mo
Today · 4.125%
HK$48,621
baseline
▲ 0.50% · 4.625%
HK$51,580
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,242/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,899
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,264
−HK$1,385/mo
Today · 4.125%
HK$53,649
baseline
▲ 0.50% · 4.625%
HK$56,477
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,298/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,824
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,654
−HK$1,859/mo
Today · 4.125%
HK$62,513
baseline
▲ 0.50% · 4.625%
HK$66,317
+HK$3,804/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,026/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,441
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,196
−HK$1,781/mo
Today · 4.125%
HK$68,977
baseline
▲ 0.50% · 4.625%
HK$72,613
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,954/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,441 · Scale 2, in force from 26 Feb 2026)