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$32,642
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,657
−HK$1,031/mo
Today · 4.125%
HK$34,688
baseline
▲ 0.50% · 4.625%
HK$36,799
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,376/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,313
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,287
−HK$988/mo
Today · 4.125%
HK$38,275
baseline
▲ 0.50% · 4.625%
HK$40,293
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,550/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,170
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,388
−HK$1,238/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$44,159
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,576
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,745
−HK$1,185/mo
Today · 4.125%
HK$45,930
baseline
▲ 0.50% · 4.625%
HK$48,351
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,860/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,698
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,120
−HK$1,444/mo
Today · 4.125%
HK$48,564
baseline
▲ 0.50% · 4.625%
HK$51,519
+HK$2,955/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,128/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,839
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,202
−HK$1,383/mo
Today · 4.125%
HK$53,585
baseline
▲ 0.50% · 4.625%
HK$56,410
+HK$2,825/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,170/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,755
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,582
−HK$1,857/mo
Today · 4.125%
HK$62,439
baseline
▲ 0.50% · 4.625%
HK$66,238
+HK$3,799/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,878/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,364
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,117
−HK$1,778/mo
Today · 4.125%
HK$68,895
baseline
▲ 0.50% · 4.625%
HK$72,527
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,790/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,807 · Scale 2, in force from 26 Feb 2026)