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$32,692
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,709
−HK$1,033/mo
Today · 4.125%
HK$34,742
baseline
▲ 0.50% · 4.625%
HK$36,856
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,484/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,369
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,345
−HK$989/mo
Today · 4.125%
HK$38,334
baseline
▲ 0.50% · 4.625%
HK$40,355
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,668/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,230
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,451
−HK$1,239/mo
Today · 4.125%
HK$41,690
baseline
▲ 0.50% · 4.625%
HK$44,227
+HK$2,537/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,380/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,643
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,814
−HK$1,187/mo
Today · 4.125%
HK$46,001
baseline
▲ 0.50% · 4.625%
HK$48,426
+HK$2,425/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$92,002/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,769
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,192
−HK$1,447/mo
Today · 4.125%
HK$48,639
baseline
▲ 0.50% · 4.625%
HK$51,598
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,278/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,917
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,283
−HK$1,385/mo
Today · 4.125%
HK$53,668
baseline
▲ 0.50% · 4.625%
HK$56,497
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,336/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,845
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,676
−HK$1,859/mo
Today · 4.125%
HK$62,535
baseline
▲ 0.50% · 4.625%
HK$66,341
+HK$3,806/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,070/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,465
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,221
−HK$1,781/mo
Today · 4.125%
HK$69,002
baseline
▲ 0.50% · 4.625%
HK$72,639
+HK$3,637/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$138,004/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,635 · Scale 2, in force from 26 Feb 2026)