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$32,677
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,693
−HK$1,033/mo
Today · 4.125%
HK$34,726
baseline
▲ 0.50% · 4.625%
HK$36,839
+HK$2,113/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,452/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$989/mo
Today · 4.125%
HK$38,317
baseline
▲ 0.50% · 4.625%
HK$40,336
+HK$2,019/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,634/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,212
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,432
−HK$1,239/mo
Today · 4.125%
HK$41,671
baseline
▲ 0.50% · 4.625%
HK$44,207
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,342/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,623
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,793
−HK$1,187/mo
Today · 4.125%
HK$45,980
baseline
▲ 0.50% · 4.625%
HK$48,404
+HK$2,424/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,960/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,748
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,171
−HK$1,445/mo
Today · 4.125%
HK$48,616
baseline
▲ 0.50% · 4.625%
HK$51,575
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,232/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,894
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,259
−HK$1,384/mo
Today · 4.125%
HK$53,643
baseline
▲ 0.50% · 4.625%
HK$56,471
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,286/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,818
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,648
−HK$1,859/mo
Today · 4.125%
HK$62,507
baseline
▲ 0.50% · 4.625%
HK$66,310
+HK$3,803/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,014/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,435
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,190
−HK$1,780/mo
Today · 4.125%
HK$68,970
baseline
▲ 0.50% · 4.625%
HK$72,606
+HK$3,636/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,940/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,388 · Scale 2, in force from 26 Feb 2026)