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$32,676
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,693
−HK$1,033/mo
Today · 4.125%
HK$34,726
baseline
▲ 0.50% · 4.625%
HK$36,839
+HK$2,113/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,452/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,352
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,327
−HK$989/mo
Today · 4.125%
HK$38,316
baseline
▲ 0.50% · 4.625%
HK$40,336
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,632/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,212
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,431
−HK$1,240/mo
Today · 4.125%
HK$41,671
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,535/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,342/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,623
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,793
−HK$1,186/mo
Today · 4.125%
HK$45,979
baseline
▲ 0.50% · 4.625%
HK$48,403
+HK$2,424/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,958/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,747
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,170
−HK$1,446/mo
Today · 4.125%
HK$48,616
baseline
▲ 0.50% · 4.625%
HK$51,574
+HK$2,958/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,232/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,893
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,258
−HK$1,385/mo
Today · 4.125%
HK$53,643
baseline
▲ 0.50% · 4.625%
HK$56,470
+HK$2,827/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,286/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,818
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,647
−HK$1,859/mo
Today · 4.125%
HK$62,506
baseline
▲ 0.50% · 4.625%
HK$66,309
+HK$3,803/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,012/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,434
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,189
−HK$1,780/mo
Today · 4.125%
HK$68,969
baseline
▲ 0.50% · 4.625%
HK$72,605
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,938/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,382 · Scale 2, in force from 26 Feb 2026)