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$32,711
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,728
−HK$1,034/mo
Today · 4.125%
HK$34,762
baseline
▲ 0.50% · 4.625%
HK$36,877
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,524/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,390
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,366
−HK$991/mo
Today · 4.125%
HK$38,357
baseline
▲ 0.50% · 4.625%
HK$40,378
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,714/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,253
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,474
−HK$1,240/mo
Today · 4.125%
HK$41,714
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,428/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,669
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,840
−HK$1,188/mo
Today · 4.125%
HK$46,028
baseline
▲ 0.50% · 4.625%
HK$48,454
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,056/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$537,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,795
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,220
−HK$1,447/mo
Today · 4.125%
HK$48,667
baseline
▲ 0.50% · 4.625%
HK$51,628
+HK$2,961/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,334/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,947
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,313
−HK$1,386/mo
Today · 4.125%
HK$53,699
baseline
▲ 0.50% · 4.625%
HK$56,530
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,398/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,879
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,711
−HK$1,861/mo
Today · 4.125%
HK$62,572
baseline
▲ 0.50% · 4.625%
HK$66,379
+HK$3,807/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,144/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,503
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,260
−HK$1,782/mo
Today · 4.125%
HK$69,042
baseline
▲ 0.50% · 4.625%
HK$72,681
+HK$3,639/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,084/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,947 · Scale 2, in force from 26 Feb 2026)