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$32,701
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,719
−HK$1,033/mo
Today · 4.125%
HK$34,752
baseline
▲ 0.50% · 4.625%
HK$36,867
+HK$2,115/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,504/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,380
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,356
−HK$989/mo
Today · 4.125%
HK$38,345
baseline
▲ 0.50% · 4.625%
HK$40,367
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,690/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,242
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,462
−HK$1,240/mo
Today · 4.125%
HK$41,702
baseline
▲ 0.50% · 4.625%
HK$44,240
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$83,404/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,656
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,827
−HK$1,188/mo
Today · 4.125%
HK$46,015
baseline
▲ 0.50% · 4.625%
HK$48,440
+HK$2,425/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$92,030/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,782
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,206
−HK$1,447/mo
Today · 4.125%
HK$48,653
baseline
▲ 0.50% · 4.625%
HK$51,613
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,306/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,932
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,298
−HK$1,386/mo
Today · 4.125%
HK$53,684
baseline
▲ 0.50% · 4.625%
HK$56,513
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,368/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,863
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,693
−HK$1,861/mo
Today · 4.125%
HK$62,554
baseline
▲ 0.50% · 4.625%
HK$66,360
+HK$3,806/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,108/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,484
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,240
−HK$1,782/mo
Today · 4.125%
HK$69,022
baseline
▲ 0.50% · 4.625%
HK$72,660
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,044/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,792 · Scale 2, in force from 26 Feb 2026)