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$32,699
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,717
−HK$1,033/mo
Today · 4.125%
HK$34,750
baseline
▲ 0.50% · 4.625%
HK$36,864
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,500/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,378
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,353
−HK$990/mo
Today · 4.125%
HK$38,343
baseline
▲ 0.50% · 4.625%
HK$40,364
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,686/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,239
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,460
−HK$1,240/mo
Today · 4.125%
HK$41,700
baseline
▲ 0.50% · 4.625%
HK$44,237
+HK$2,537/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$83,400/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,653
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,824
−HK$1,188/mo
Today · 4.125%
HK$46,012
baseline
▲ 0.50% · 4.625%
HK$48,437
+HK$2,425/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$92,024/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,779
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,203
−HK$1,447/mo
Today · 4.125%
HK$48,650
baseline
▲ 0.50% · 4.625%
HK$51,610
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,300/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,929
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,295
−HK$1,385/mo
Today · 4.125%
HK$53,680
baseline
▲ 0.50% · 4.625%
HK$56,510
+HK$2,830/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,360/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,859
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,690
−HK$1,860/mo
Today · 4.125%
HK$62,550
baseline
▲ 0.50% · 4.625%
HK$66,356
+HK$3,806/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,100/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,480
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,236
−HK$1,782/mo
Today · 4.125%
HK$69,018
baseline
▲ 0.50% · 4.625%
HK$72,656
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,036/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,759 · Scale 2, in force from 26 Feb 2026)