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$32,690
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,706
−HK$1,034/mo
Today · 4.125%
HK$34,740
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$2,113/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,480/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,367
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$990/mo
Today · 4.125%
HK$38,332
baseline
▲ 0.50% · 4.625%
HK$40,352
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,664/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,228
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,448
−HK$1,240/mo
Today · 4.125%
HK$41,688
baseline
▲ 0.50% · 4.625%
HK$44,224
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,376/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,640
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,811
−HK$1,187/mo
Today · 4.125%
HK$45,998
baseline
▲ 0.50% · 4.625%
HK$48,423
+HK$2,425/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,996/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,766
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,189
−HK$1,446/mo
Today · 4.125%
HK$48,635
baseline
▲ 0.50% · 4.625%
HK$51,595
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,270/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,914
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,279
−HK$1,385/mo
Today · 4.125%
HK$53,664
baseline
▲ 0.50% · 4.625%
HK$56,493
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,328/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,841
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,672
−HK$1,859/mo
Today · 4.125%
HK$62,531
baseline
▲ 0.50% · 4.625%
HK$66,336
+HK$3,805/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,062/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,460
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,216
−HK$1,781/mo
Today · 4.125%
HK$68,997
baseline
▲ 0.50% · 4.625%
HK$72,634
+HK$3,637/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,994/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,599 · Scale 2, in force from 26 Feb 2026)