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$33,728
−HK$1,033/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$537,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,390
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,366
−HK$990/mo
Today · 4.125%
HK$38,356
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,712/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,252
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,473
−HK$1,241/mo
Today · 4.125%
HK$41,714
baseline
▲ 0.50% · 4.625%
HK$44,252
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,428/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,668
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,839
−HK$1,188/mo
Today · 4.125%
HK$46,027
baseline
▲ 0.50% · 4.625%
HK$48,453
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,054/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,794
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,219
−HK$1,447/mo
Today · 4.125%
HK$48,666
baseline
▲ 0.50% · 4.625%
HK$51,627
+HK$2,961/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,332/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,945
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,312
−HK$1,386/mo
Today · 4.125%
HK$53,698
baseline
▲ 0.50% · 4.625%
HK$56,528
+HK$2,830/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,396/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,878
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,710
−HK$1,860/mo
Today · 4.125%
HK$62,570
baseline
▲ 0.50% · 4.625%
HK$66,378
+HK$3,808/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,140/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,501
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,258
−HK$1,782/mo
Today · 4.125%
HK$69,040
baseline
▲ 0.50% · 4.625%
HK$72,679
+HK$3,639/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,080/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,934 · Scale 2, in force from 26 Feb 2026)