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$32,710
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,727
−HK$1,034/mo
Today · 4.125%
HK$34,761
baseline
▲ 0.50% · 4.625%
HK$36,876
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,522/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,389
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,365
−HK$990/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,252
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,473
−HK$1,240/mo
Today · 4.125%
HK$41,713
baseline
▲ 0.50% · 4.625%
HK$44,251
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,426/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,667
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,188/mo
Today · 4.125%
HK$46,026
baseline
▲ 0.50% · 4.625%
HK$48,452
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,052/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,793
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,218
−HK$1,447/mo
Today · 4.125%
HK$48,665
baseline
▲ 0.50% · 4.625%
HK$51,626
+HK$2,961/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,330/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,945
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,311
−HK$1,386/mo
Today · 4.125%
HK$53,697
baseline
▲ 0.50% · 4.625%
HK$56,528
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,394/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,877
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,709
−HK$1,860/mo
Today · 4.125%
HK$62,569
baseline
▲ 0.50% · 4.625%
HK$66,377
+HK$3,808/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,138/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,500
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,257
−HK$1,782/mo
Today · 4.125%
HK$69,039
baseline
▲ 0.50% · 4.625%
HK$72,678
+HK$3,639/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,078/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,927 · Scale 2, in force from 26 Feb 2026)