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$32,687
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,704
−HK$1,033/mo
Today · 4.125%
HK$34,737
baseline
▲ 0.50% · 4.625%
HK$36,851
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,474/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,364
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,339
−HK$990/mo
Today · 4.125%
HK$38,329
baseline
▲ 0.50% · 4.625%
HK$40,349
+HK$2,020/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,658/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,225
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,445
−HK$1,239/mo
Today · 4.125%
HK$41,684
baseline
▲ 0.50% · 4.625%
HK$44,221
+HK$2,537/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,368/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,637
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,807
−HK$1,187/mo
Today · 4.125%
HK$45,994
baseline
▲ 0.50% · 4.625%
HK$48,419
+HK$2,425/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,988/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,762
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,185
−HK$1,447/mo
Today · 4.125%
HK$48,632
baseline
▲ 0.50% · 4.625%
HK$51,591
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,264/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,910
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,275
−HK$1,385/mo
Today · 4.125%
HK$53,660
baseline
▲ 0.50% · 4.625%
HK$56,489
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,320/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,837
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,667
−HK$1,859/mo
Today · 4.125%
HK$62,526
baseline
▲ 0.50% · 4.625%
HK$66,331
+HK$3,805/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,052/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,455
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,211
−HK$1,781/mo
Today · 4.125%
HK$68,992
baseline
▲ 0.50% · 4.625%
HK$72,628
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,984/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,557 · Scale 2, in force from 26 Feb 2026)