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$32,647
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,662
−HK$1,032/mo
Today · 4.125%
HK$34,694
baseline
▲ 0.50% · 4.625%
HK$36,805
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,388/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,319
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,293
−HK$988/mo
Today · 4.125%
HK$38,281
baseline
▲ 0.50% · 4.625%
HK$40,299
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,562/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,176
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,395
−HK$1,238/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$44,166
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,583
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,752
−HK$1,185/mo
Today · 4.125%
HK$45,937
baseline
▲ 0.50% · 4.625%
HK$48,359
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,874/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,705
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,127
−HK$1,444/mo
Today · 4.125%
HK$48,571
baseline
▲ 0.50% · 4.625%
HK$51,527
+HK$2,956/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,142/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,847
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,210
−HK$1,384/mo
Today · 4.125%
HK$53,594
baseline
▲ 0.50% · 4.625%
HK$56,419
+HK$2,825/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,188/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,764
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,592
−HK$1,857/mo
Today · 4.125%
HK$62,449
baseline
▲ 0.50% · 4.625%
HK$66,249
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,898/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,374
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,128
−HK$1,778/mo
Today · 4.125%
HK$68,906
baseline
▲ 0.50% · 4.625%
HK$72,538
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,812/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,891 · Scale 2, in force from 26 Feb 2026)