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$32,632
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$1,031/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,788
+HK$2,110/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,302
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$988/mo
Today · 4.125%
HK$38,264
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,528/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,158
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,376
−HK$1,238/mo
Today · 4.125%
HK$41,614
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,228/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,563
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,185/mo
Today · 4.125%
HK$45,916
baseline
▲ 0.50% · 4.625%
HK$48,337
+HK$2,421/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$536,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,684
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,105
−HK$1,444/mo
Today · 4.125%
HK$48,549
baseline
▲ 0.50% · 4.625%
HK$51,503
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,098/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,823
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,186
−HK$1,383/mo
Today · 4.125%
HK$53,569
baseline
▲ 0.50% · 4.625%
HK$56,393
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,138/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,737
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,564
−HK$1,856/mo
Today · 4.125%
HK$62,420
baseline
▲ 0.50% · 4.625%
HK$66,218
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,840/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,344
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,097
−HK$1,778/mo
Today · 4.125%
HK$68,875
baseline
▲ 0.50% · 4.625%
HK$72,505
+HK$3,630/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,750/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,645 · Scale 2, in force from 26 Feb 2026)