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$32,683
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,699
−HK$1,033/mo
Today · 4.125%
HK$34,732
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$2,113/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,464/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,359
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,334
−HK$989/mo
Today · 4.125%
HK$38,323
baseline
▲ 0.50% · 4.625%
HK$40,343
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,646/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,219
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,439
−HK$1,239/mo
Today · 4.125%
HK$41,678
baseline
▲ 0.50% · 4.625%
HK$44,214
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,356/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,631
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,801
−HK$1,187/mo
Today · 4.125%
HK$45,988
baseline
▲ 0.50% · 4.625%
HK$48,412
+HK$2,424/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,976/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,756
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,179
−HK$1,446/mo
Today · 4.125%
HK$48,625
baseline
▲ 0.50% · 4.625%
HK$51,584
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,250/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,903
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,268
−HK$1,385/mo
Today · 4.125%
HK$53,653
baseline
▲ 0.50% · 4.625%
HK$56,481
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,306/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,829
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,658
−HK$1,860/mo
Today · 4.125%
HK$62,518
baseline
▲ 0.50% · 4.625%
HK$66,322
+HK$3,804/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,036/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,446
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,201
−HK$1,781/mo
Today · 4.125%
HK$68,982
baseline
▲ 0.50% · 4.625%
HK$72,618
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,964/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,482 · Scale 2, in force from 26 Feb 2026)