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$32,699
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,716
−HK$1,033/mo
Today · 4.125%
HK$34,749
baseline
▲ 0.50% · 4.625%
HK$36,864
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,498/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,377
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,353
−HK$990/mo
Today · 4.125%
HK$38,343
baseline
▲ 0.50% · 4.625%
HK$40,364
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,686/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,239
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,459
−HK$1,240/mo
Today · 4.125%
HK$41,699
baseline
▲ 0.50% · 4.625%
HK$44,237
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$83,398/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,653
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,823
−HK$1,188/mo
Today · 4.125%
HK$46,011
baseline
▲ 0.50% · 4.625%
HK$48,436
+HK$2,425/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$92,022/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,778
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,202
−HK$1,447/mo
Today · 4.125%
HK$48,649
baseline
▲ 0.50% · 4.625%
HK$51,609
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,298/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,928
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,294
−HK$1,386/mo
Today · 4.125%
HK$53,680
baseline
▲ 0.50% · 4.625%
HK$56,509
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,360/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,858
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,689
−HK$1,860/mo
Today · 4.125%
HK$62,549
baseline
▲ 0.50% · 4.625%
HK$66,355
+HK$3,806/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,098/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,479
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,235
−HK$1,782/mo
Today · 4.125%
HK$69,017
baseline
▲ 0.50% · 4.625%
HK$72,655
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,034/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,751 · Scale 2, in force from 26 Feb 2026)