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$32,637
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,652
−HK$1,031/mo
Today · 4.125%
HK$34,683
baseline
▲ 0.50% · 4.625%
HK$36,794
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,366/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,308
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,282
−HK$988/mo
Today · 4.125%
HK$38,270
baseline
▲ 0.50% · 4.625%
HK$40,287
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,540/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,164
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,238/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$44,152
+HK$2,532/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,240/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,569
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,738
−HK$1,185/mo
Today · 4.125%
HK$45,923
baseline
▲ 0.50% · 4.625%
HK$48,344
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,846/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,691
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,113
−HK$1,444/mo
Today · 4.125%
HK$48,557
baseline
▲ 0.50% · 4.625%
HK$51,511
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,114/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,831
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,194
−HK$1,383/mo
Today · 4.125%
HK$53,577
baseline
▲ 0.50% · 4.625%
HK$56,401
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,154/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,746
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,573
−HK$1,857/mo
Today · 4.125%
HK$62,430
baseline
▲ 0.50% · 4.625%
HK$66,229
+HK$3,799/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,860/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,354
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,107
−HK$1,778/mo
Today · 4.125%
HK$68,885
baseline
▲ 0.50% · 4.625%
HK$72,516
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,770/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,727 · Scale 2, in force from 26 Feb 2026)