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$32,664
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$1,033/mo
Today · 4.125%
HK$34,713
baseline
▲ 0.50% · 4.625%
HK$36,825
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,426/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,339
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,313
−HK$989/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,321
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,197
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,417
−HK$1,238/mo
Today · 4.125%
HK$41,655
baseline
▲ 0.50% · 4.625%
HK$44,190
+HK$2,535/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,310/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,607
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,776
−HK$1,187/mo
Today · 4.125%
HK$45,963
baseline
▲ 0.50% · 4.625%
HK$48,385
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,926/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,730
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,153
−HK$1,445/mo
Today · 4.125%
HK$48,598
baseline
▲ 0.50% · 4.625%
HK$51,555
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,196/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,874
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,239
−HK$1,384/mo
Today · 4.125%
HK$53,623
baseline
▲ 0.50% · 4.625%
HK$56,449
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,246/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,796
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,625
−HK$1,858/mo
Today · 4.125%
HK$62,483
baseline
▲ 0.50% · 4.625%
HK$66,285
+HK$3,802/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,966/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,410
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,164
−HK$1,780/mo
Today · 4.125%
HK$68,944
baseline
▲ 0.50% · 4.625%
HK$72,578
+HK$3,634/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,888/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,184 · Scale 2, in force from 26 Feb 2026)