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$32,678
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$1,033/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,840
+HK$2,113/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,354
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,329
−HK$989/mo
Today · 4.125%
HK$38,318
baseline
▲ 0.50% · 4.625%
HK$40,337
+HK$2,019/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,636/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,213
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,433
−HK$1,239/mo
Today · 4.125%
HK$41,672
baseline
▲ 0.50% · 4.625%
HK$44,208
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,344/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,624
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,794
−HK$1,187/mo
Today · 4.125%
HK$45,981
baseline
▲ 0.50% · 4.625%
HK$48,405
+HK$2,424/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,962/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,749
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,172
−HK$1,446/mo
Today · 4.125%
HK$48,618
baseline
▲ 0.50% · 4.625%
HK$51,576
+HK$2,958/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,236/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,895
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,260
−HK$1,385/mo
Today · 4.125%
HK$53,645
baseline
▲ 0.50% · 4.625%
HK$56,472
+HK$2,827/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,290/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,820
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,649
−HK$1,859/mo
Today · 4.125%
HK$62,508
baseline
▲ 0.50% · 4.625%
HK$66,312
+HK$3,804/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,016/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,436
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,191
−HK$1,781/mo
Today · 4.125%
HK$68,972
baseline
▲ 0.50% · 4.625%
HK$72,607
+HK$3,635/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,944/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,401 · Scale 2, in force from 26 Feb 2026)