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$32,631
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,646
−HK$1,031/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,787
+HK$2,110/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,302
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,275
−HK$988/mo
Today · 4.125%
HK$38,263
baseline
▲ 0.50% · 4.625%
HK$40,280
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,526/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,157
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,375
−HK$1,238/mo
Today · 4.125%
HK$41,613
baseline
▲ 0.50% · 4.625%
HK$44,145
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,226/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,562
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,730
−HK$1,186/mo
Today · 4.125%
HK$45,916
baseline
▲ 0.50% · 4.625%
HK$48,336
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$91,832/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,683
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,104
−HK$1,444/mo
Today · 4.125%
HK$48,548
baseline
▲ 0.50% · 4.625%
HK$51,502
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,096/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,822
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,185
−HK$1,383/mo
Today · 4.125%
HK$53,568
baseline
▲ 0.50% · 4.625%
HK$56,392
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,136/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,736
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,563
−HK$1,856/mo
Today · 4.125%
HK$62,419
baseline
▲ 0.50% · 4.625%
HK$66,217
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,838/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,343
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,096
−HK$1,777/mo
Today · 4.125%
HK$68,873
baseline
▲ 0.50% · 4.625%
HK$72,504
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,746/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,635 · Scale 2, in force from 26 Feb 2026)