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$32,705
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$1,033/mo
Today · 4.125%
HK$34,756
baseline
▲ 0.50% · 4.625%
HK$36,871
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,512/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,384
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,360
−HK$990/mo
Today · 4.125%
HK$38,350
baseline
▲ 0.50% · 4.625%
HK$40,372
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,700/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,246
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,467
−HK$1,241/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$44,245
+HK$2,537/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,661
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,832
−HK$1,188/mo
Today · 4.125%
HK$46,020
baseline
▲ 0.50% · 4.625%
HK$48,446
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,040/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,787
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,212
−HK$1,447/mo
Today · 4.125%
HK$48,659
baseline
▲ 0.50% · 4.625%
HK$51,620
+HK$2,961/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,318/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,938
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,304
−HK$1,386/mo
Today · 4.125%
HK$53,690
baseline
▲ 0.50% · 4.625%
HK$56,520
+HK$2,830/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,380/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,870
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,701
−HK$1,860/mo
Today · 4.125%
HK$62,561
baseline
▲ 0.50% · 4.625%
HK$66,368
+HK$3,807/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,122/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,492
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,248
−HK$1,782/mo
Today · 4.125%
HK$69,030
baseline
▲ 0.50% · 4.625%
HK$72,669
+HK$3,639/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,060/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,857 · Scale 2, in force from 26 Feb 2026)