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$32,639
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,655
−HK$1,031/mo
Today · 4.125%
HK$34,686
baseline
▲ 0.50% · 4.625%
HK$36,797
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,372/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,311
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,285
−HK$988/mo
Today · 4.125%
HK$38,273
baseline
▲ 0.50% · 4.625%
HK$40,290
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,546/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,237/mo
Today · 4.125%
HK$41,623
baseline
▲ 0.50% · 4.625%
HK$44,156
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,246/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,573
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,742
−HK$1,185/mo
Today · 4.125%
HK$45,927
baseline
▲ 0.50% · 4.625%
HK$48,348
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,854/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,695
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,445/mo
Today · 4.125%
HK$48,561
baseline
▲ 0.50% · 4.625%
HK$51,515
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,122/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,835
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,383/mo
Today · 4.125%
HK$53,582
baseline
▲ 0.50% · 4.625%
HK$56,406
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,164/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,751
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,578
−HK$1,857/mo
Today · 4.125%
HK$62,435
baseline
▲ 0.50% · 4.625%
HK$66,234
+HK$3,799/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,870/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,360
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,113
−HK$1,778/mo
Today · 4.125%
HK$68,891
baseline
▲ 0.50% · 4.625%
HK$72,522
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,782/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,772 · Scale 2, in force from 26 Feb 2026)