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$32,686
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,703
−HK$1,033/mo
Today · 4.125%
HK$34,736
baseline
▲ 0.50% · 4.625%
HK$36,850
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,472/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,363
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,339
−HK$989/mo
Today · 4.125%
HK$38,328
baseline
▲ 0.50% · 4.625%
HK$40,348
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,656/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,224
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,444
−HK$1,239/mo
Today · 4.125%
HK$41,683
baseline
▲ 0.50% · 4.625%
HK$44,220
+HK$2,537/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,366/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,636
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,806
−HK$1,187/mo
Today · 4.125%
HK$45,993
baseline
▲ 0.50% · 4.625%
HK$48,418
+HK$2,425/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,986/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,761
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,184
−HK$1,447/mo
Today · 4.125%
HK$48,631
baseline
▲ 0.50% · 4.625%
HK$51,590
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,262/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,909
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,274
−HK$1,385/mo
Today · 4.125%
HK$53,659
baseline
▲ 0.50% · 4.625%
HK$56,487
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,318/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,835
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,666
−HK$1,859/mo
Today · 4.125%
HK$62,525
baseline
▲ 0.50% · 4.625%
HK$66,329
+HK$3,804/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,050/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,454
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,209
−HK$1,781/mo
Today · 4.125%
HK$68,990
baseline
▲ 0.50% · 4.625%
HK$72,627
+HK$3,637/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,980/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,545 · Scale 2, in force from 26 Feb 2026)