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$32,646
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$1,032/mo
Today · 4.125%
HK$34,693
baseline
▲ 0.50% · 4.625%
HK$36,804
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,386/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,318
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,292
−HK$988/mo
Today · 4.125%
HK$38,280
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,560/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,175
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,393
−HK$1,238/mo
Today · 4.125%
HK$41,631
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,262/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,582
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,750
−HK$1,186/mo
Today · 4.125%
HK$45,936
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,872/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,704
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,126
−HK$1,444/mo
Today · 4.125%
HK$48,570
baseline
▲ 0.50% · 4.625%
HK$51,525
+HK$2,955/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,140/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,845
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,209
−HK$1,383/mo
Today · 4.125%
HK$53,592
baseline
▲ 0.50% · 4.625%
HK$56,417
+HK$2,825/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,184/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,762
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,590
−HK$1,857/mo
Today · 4.125%
HK$62,447
baseline
▲ 0.50% · 4.625%
HK$66,247
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,894/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,372
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,126
−HK$1,778/mo
Today · 4.125%
HK$68,904
baseline
▲ 0.50% · 4.625%
HK$72,536
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,808/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,876 · Scale 2, in force from 26 Feb 2026)