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$32,684
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,700
−HK$1,033/mo
Today · 4.125%
HK$34,733
baseline
▲ 0.50% · 4.625%
HK$36,847
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,466/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,360
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,335
−HK$990/mo
Today · 4.125%
HK$38,325
baseline
▲ 0.50% · 4.625%
HK$40,345
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,650/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,220
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,440
−HK$1,240/mo
Today · 4.125%
HK$41,680
baseline
▲ 0.50% · 4.625%
HK$44,216
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,360/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,632
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,803
−HK$1,187/mo
Today · 4.125%
HK$45,990
baseline
▲ 0.50% · 4.625%
HK$48,414
+HK$2,424/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,980/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,757
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,181
−HK$1,446/mo
Today · 4.125%
HK$48,627
baseline
▲ 0.50% · 4.625%
HK$51,585
+HK$2,958/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,254/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,904
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,270
−HK$1,385/mo
Today · 4.125%
HK$53,655
baseline
▲ 0.50% · 4.625%
HK$56,483
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,310/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,831
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,661
−HK$1,859/mo
Today · 4.125%
HK$62,520
baseline
▲ 0.50% · 4.625%
HK$66,324
+HK$3,804/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,040/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,449
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,204
−HK$1,781/mo
Today · 4.125%
HK$68,985
baseline
▲ 0.50% · 4.625%
HK$72,621
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,970/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,501 · Scale 2, in force from 26 Feb 2026)