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$32,716
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$1,034/mo
Today · 4.125%
HK$34,768
baseline
▲ 0.50% · 4.625%
HK$36,883
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,536/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,396
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,372
−HK$991/mo
Today · 4.125%
HK$38,363
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,726/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,259
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,480
−HK$1,241/mo
Today · 4.125%
HK$41,721
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,442/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,675
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,847
−HK$1,188/mo
Today · 4.125%
HK$46,035
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,427/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,070/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,802
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,227
−HK$1,448/mo
Today · 4.125%
HK$48,675
baseline
▲ 0.50% · 4.625%
HK$51,636
+HK$2,961/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,350/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,955
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,321
−HK$1,387/mo
Today · 4.125%
HK$53,708
baseline
▲ 0.50% · 4.625%
HK$56,539
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,416/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,889
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,721
−HK$1,861/mo
Today · 4.125%
HK$62,582
baseline
▲ 0.50% · 4.625%
HK$66,390
+HK$3,808/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,164/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,513
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,270
−HK$1,783/mo
Today · 4.125%
HK$69,053
baseline
▲ 0.50% · 4.625%
HK$72,693
+HK$3,640/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,106/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,032 · Scale 2, in force from 26 Feb 2026)