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$32,713
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,730
−HK$1,034/mo
Today · 4.125%
HK$34,764
baseline
▲ 0.50% · 4.625%
HK$36,879
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,528/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,393
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,369
−HK$990/mo
Today · 4.125%
HK$38,359
baseline
▲ 0.50% · 4.625%
HK$40,381
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,718/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,255
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,476
−HK$1,241/mo
Today · 4.125%
HK$41,717
baseline
▲ 0.50% · 4.625%
HK$44,255
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,434/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,671
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,842
−HK$1,189/mo
Today · 4.125%
HK$46,031
baseline
▲ 0.50% · 4.625%
HK$48,457
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,062/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,798
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,222
−HK$1,448/mo
Today · 4.125%
HK$48,670
baseline
▲ 0.50% · 4.625%
HK$51,631
+HK$2,961/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,340/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,950
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,316
−HK$1,386/mo
Today · 4.125%
HK$53,702
baseline
▲ 0.50% · 4.625%
HK$56,533
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,404/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,883
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,715
−HK$1,861/mo
Today · 4.125%
HK$62,576
baseline
▲ 0.50% · 4.625%
HK$66,383
+HK$3,807/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,152/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,507
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,264
−HK$1,782/mo
Today · 4.125%
HK$69,046
baseline
▲ 0.50% · 4.625%
HK$72,685
+HK$3,639/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,092/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,979 · Scale 2, in force from 26 Feb 2026)