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$32,667
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$1,032/mo
Today · 4.125%
HK$34,715
baseline
▲ 0.50% · 4.625%
HK$36,827
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,430/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,341
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,316
−HK$989/mo
Today · 4.125%
HK$38,305
baseline
▲ 0.50% · 4.625%
HK$40,324
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,610/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,200
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,419
−HK$1,239/mo
Today · 4.125%
HK$41,658
baseline
▲ 0.50% · 4.625%
HK$44,193
+HK$2,535/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,316/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,610
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,779
−HK$1,187/mo
Today · 4.125%
HK$45,966
baseline
▲ 0.50% · 4.625%
HK$48,389
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,932/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,733
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,156
−HK$1,445/mo
Today · 4.125%
HK$48,601
baseline
▲ 0.50% · 4.625%
HK$51,558
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,202/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,878
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,242
−HK$1,385/mo
Today · 4.125%
HK$53,627
baseline
▲ 0.50% · 4.625%
HK$56,453
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,254/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,800
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,629
−HK$1,858/mo
Today · 4.125%
HK$62,487
baseline
▲ 0.50% · 4.625%
HK$66,289
+HK$3,802/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,974/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,414
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,169
−HK$1,779/mo
Today · 4.125%
HK$68,948
baseline
▲ 0.50% · 4.625%
HK$72,583
+HK$3,635/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,896/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,220 · Scale 2, in force from 26 Feb 2026)