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$32,666
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,682
−HK$1,032/mo
Today · 4.125%
HK$34,714
baseline
▲ 0.50% · 4.625%
HK$36,826
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,428/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,340
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,315
−HK$988/mo
Today · 4.125%
HK$38,303
baseline
▲ 0.50% · 4.625%
HK$40,322
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,606/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,199
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,239/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$44,191
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,608
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,186/mo
Today · 4.125%
HK$45,964
baseline
▲ 0.50% · 4.625%
HK$48,387
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,928/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,732
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,154
−HK$1,446/mo
Today · 4.125%
HK$48,600
baseline
▲ 0.50% · 4.625%
HK$51,557
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,200/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,876
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,241
−HK$1,384/mo
Today · 4.125%
HK$53,625
baseline
▲ 0.50% · 4.625%
HK$56,451
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,250/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,798
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,627
−HK$1,858/mo
Today · 4.125%
HK$62,485
baseline
▲ 0.50% · 4.625%
HK$66,287
+HK$3,802/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,970/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,412
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,166
−HK$1,780/mo
Today · 4.125%
HK$68,946
baseline
▲ 0.50% · 4.625%
HK$72,580
+HK$3,634/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,892/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,202 · Scale 2, in force from 26 Feb 2026)