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$32,643
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$1,032/mo
Today · 4.125%
HK$34,690
baseline
▲ 0.50% · 4.625%
HK$36,801
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,380/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,315
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,289
−HK$988/mo
Today · 4.125%
HK$38,277
baseline
▲ 0.50% · 4.625%
HK$40,295
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,554/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,172
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,390
−HK$1,238/mo
Today · 4.125%
HK$41,628
baseline
▲ 0.50% · 4.625%
HK$44,161
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,256/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,578
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,747
−HK$1,186/mo
Today · 4.125%
HK$45,933
baseline
▲ 0.50% · 4.625%
HK$48,354
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,866/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,700
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,122
−HK$1,444/mo
Today · 4.125%
HK$48,566
baseline
▲ 0.50% · 4.625%
HK$51,521
+HK$2,955/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,132/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,841
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,205
−HK$1,383/mo
Today · 4.125%
HK$53,588
baseline
▲ 0.50% · 4.625%
HK$56,413
+HK$2,825/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,176/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,758
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,585
−HK$1,857/mo
Today · 4.125%
HK$62,442
baseline
▲ 0.50% · 4.625%
HK$66,242
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,884/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,367
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,120
−HK$1,779/mo
Today · 4.125%
HK$68,899
baseline
▲ 0.50% · 4.625%
HK$72,531
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,798/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,833 · Scale 2, in force from 26 Feb 2026)