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$32,648
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,663
−HK$1,032/mo
Today · 4.125%
HK$34,695
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,390/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,295
−HK$988/mo
Today · 4.125%
HK$38,283
baseline
▲ 0.50% · 4.625%
HK$40,301
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,566/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,177
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,396
−HK$1,238/mo
Today · 4.125%
HK$41,634
baseline
▲ 0.50% · 4.625%
HK$44,168
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,268/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,585
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,753
−HK$1,186/mo
Today · 4.125%
HK$45,939
baseline
▲ 0.50% · 4.625%
HK$48,361
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,878/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,707
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,129
−HK$1,444/mo
Today · 4.125%
HK$48,573
baseline
▲ 0.50% · 4.625%
HK$51,529
+HK$2,956/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,146/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,849
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,212
−HK$1,384/mo
Today · 4.125%
HK$53,596
baseline
▲ 0.50% · 4.625%
HK$56,421
+HK$2,825/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,192/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,766
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,594
−HK$1,857/mo
Today · 4.125%
HK$62,451
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,902/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,377
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,130
−HK$1,779/mo
Today · 4.125%
HK$68,909
baseline
▲ 0.50% · 4.625%
HK$72,541
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,818/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,912 · Scale 2, in force from 26 Feb 2026)