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$2,047/mo
▼ 0.25% · 3.875%
HK$33,652
−HK$1,032/mo
Today · 4.125%
HK$34,684
baseline
▲ 0.50% · 4.625%
HK$36,794
+HK$2,110/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,368/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,734 · 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$536,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,164
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,383
−HK$1,237/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$44,153
+HK$2,533/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$536,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,570
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,739
−HK$1,185/mo
Today · 4.125%
HK$45,924
baseline
▲ 0.50% · 4.625%
HK$48,345
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,848/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,692
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,113
−HK$1,444/mo
Today · 4.125%
HK$48,557
baseline
▲ 0.50% · 4.625%
HK$51,512
+HK$2,955/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$536,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,832
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,195
−HK$1,383/mo
Today · 4.125%
HK$53,578
baseline
▲ 0.50% · 4.625%
HK$56,402
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,156/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,747
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,574
−HK$1,857/mo
Today · 4.125%
HK$62,431
baseline
▲ 0.50% · 4.625%
HK$66,229
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,862/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,355
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,108
−HK$1,778/mo
Today · 4.125%
HK$68,886
baseline
▲ 0.50% · 4.625%
HK$72,517
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,772/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,734 · Scale 2, in force from 26 Feb 2026)