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$32,670
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$1,032/mo
Today · 4.125%
HK$34,718
baseline
▲ 0.50% · 4.625%
HK$36,831
+HK$2,113/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,436/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,345
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,319
−HK$989/mo
Today · 4.125%
HK$38,308
baseline
▲ 0.50% · 4.625%
HK$40,327
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,616/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,203
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,423
−HK$1,239/mo
Today · 4.125%
HK$41,662
baseline
▲ 0.50% · 4.625%
HK$44,197
+HK$2,535/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,324/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,613
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,783
−HK$1,187/mo
Today · 4.125%
HK$45,970
baseline
▲ 0.50% · 4.625%
HK$48,393
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,940/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,737
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,160
−HK$1,446/mo
Today · 4.125%
HK$48,606
baseline
▲ 0.50% · 4.625%
HK$51,563
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,212/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,882
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,247
−HK$1,384/mo
Today · 4.125%
HK$53,631
baseline
▲ 0.50% · 4.625%
HK$56,458
+HK$2,827/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,262/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,805
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,634
−HK$1,859/mo
Today · 4.125%
HK$62,493
baseline
▲ 0.50% · 4.625%
HK$66,295
+HK$3,802/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,986/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,420
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,175
−HK$1,780/mo
Today · 4.125%
HK$68,955
baseline
▲ 0.50% · 4.625%
HK$72,589
+HK$3,634/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,910/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,268 · Scale 2, in force from 26 Feb 2026)