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$32,697
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,714
−HK$1,033/mo
Today · 4.125%
HK$34,747
baseline
▲ 0.50% · 4.625%
HK$36,861
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,494/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,375
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,350
−HK$990/mo
Today · 4.125%
HK$38,340
baseline
▲ 0.50% · 4.625%
HK$40,361
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,680/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,236
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,457
−HK$1,240/mo
Today · 4.125%
HK$41,697
baseline
▲ 0.50% · 4.625%
HK$44,234
+HK$2,537/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$83,394/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,650
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,820
−HK$1,188/mo
Today · 4.125%
HK$46,008
baseline
▲ 0.50% · 4.625%
HK$48,433
+HK$2,425/mo
Deposit HK$5.74M · loan HK$8.60M · min. income ≈ HK$92,016/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,775
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,199
−HK$1,447/mo
Today · 4.125%
HK$48,646
baseline
▲ 0.50% · 4.625%
HK$51,606
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,292/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,925
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,291
−HK$1,385/mo
Today · 4.125%
HK$53,676
baseline
▲ 0.50% · 4.625%
HK$56,505
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,352/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,854
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,685
−HK$1,860/mo
Today · 4.125%
HK$62,545
baseline
▲ 0.50% · 4.625%
HK$66,351
+HK$3,806/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,090/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,475
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,231
−HK$1,781/mo
Today · 4.125%
HK$69,012
baseline
▲ 0.50% · 4.625%
HK$72,650
+HK$3,638/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,024/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,716 · Scale 2, in force from 26 Feb 2026)