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$32,646
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,662
−HK$1,031/mo
Today · 4.125%
HK$34,693
baseline
▲ 0.50% · 4.625%
HK$36,804
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,386/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,318
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,293
−HK$988/mo
Today · 4.125%
HK$38,281
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,562/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,175
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,394
−HK$1,238/mo
Today · 4.125%
HK$41,632
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,264/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,582
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,751
−HK$1,186/mo
Today · 4.125%
HK$45,937
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,874/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,705
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,126
−HK$1,445/mo
Today · 4.125%
HK$48,571
baseline
▲ 0.50% · 4.625%
HK$51,526
+HK$2,955/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,142/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,846
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,210
−HK$1,383/mo
Today · 4.125%
HK$53,593
baseline
▲ 0.50% · 4.625%
HK$56,418
+HK$2,825/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,186/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,763
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,591
−HK$1,857/mo
Today · 4.125%
HK$62,448
baseline
▲ 0.50% · 4.625%
HK$66,248
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,896/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,373
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,127
−HK$1,778/mo
Today · 4.125%
HK$68,905
baseline
▲ 0.50% · 4.625%
HK$72,537
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,810/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,883 · Scale 2, in force from 26 Feb 2026)