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$32,702
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,719
−HK$1,034/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,867
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,381
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,356
−HK$990/mo
Today · 4.125%
HK$38,346
baseline
▲ 0.50% · 4.625%
HK$40,367
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,692/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,242
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,463
−HK$1,240/mo
Today · 4.125%
HK$41,703
baseline
▲ 0.50% · 4.625%
HK$44,241
+HK$2,538/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$83,406/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,657
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,828
−HK$1,187/mo
Today · 4.125%
HK$46,015
baseline
▲ 0.50% · 4.625%
HK$48,441
+HK$2,426/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$537,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,783
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,207
−HK$1,447/mo
Today · 4.125%
HK$48,654
baseline
▲ 0.50% · 4.625%
HK$51,614
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,308/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,933
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,299
−HK$1,386/mo
Today · 4.125%
HK$53,685
baseline
▲ 0.50% · 4.625%
HK$56,514
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,370/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,864
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,695
−HK$1,860/mo
Today · 4.125%
HK$62,555
baseline
▲ 0.50% · 4.625%
HK$66,361
+HK$3,806/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,110/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,485
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,241
−HK$1,782/mo
Today · 4.125%
HK$69,023
baseline
▲ 0.50% · 4.625%
HK$72,661
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,046/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,802 · Scale 2, in force from 26 Feb 2026)