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$32,695
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$1,033/mo
Today · 4.125%
HK$34,745
baseline
▲ 0.50% · 4.625%
HK$36,859
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,490/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,373
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,348
−HK$990/mo
Today · 4.125%
HK$38,338
baseline
▲ 0.50% · 4.625%
HK$40,358
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,676/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,234
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,454
−HK$1,240/mo
Today · 4.125%
HK$41,694
baseline
▲ 0.50% · 4.625%
HK$44,231
+HK$2,537/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$83,388/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,647
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,818
−HK$1,187/mo
Today · 4.125%
HK$46,005
baseline
▲ 0.50% · 4.625%
HK$48,430
+HK$2,425/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$92,010/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,773
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,447/mo
Today · 4.125%
HK$48,643
baseline
▲ 0.50% · 4.625%
HK$51,603
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,286/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,922
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,287
−HK$1,386/mo
Today · 4.125%
HK$53,673
baseline
▲ 0.50% · 4.625%
HK$56,502
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,346/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,850
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,681
−HK$1,860/mo
Today · 4.125%
HK$62,541
baseline
▲ 0.50% · 4.625%
HK$66,346
+HK$3,805/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,082/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,471
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,226
−HK$1,782/mo
Today · 4.125%
HK$69,008
baseline
▲ 0.50% · 4.625%
HK$72,645
+HK$3,637/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$138,016/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,682 · Scale 2, in force from 26 Feb 2026)