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$32,672
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,688
−HK$1,033/mo
Today · 4.125%
HK$34,721
baseline
▲ 0.50% · 4.625%
HK$36,833
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,442/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,347
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,322
−HK$989/mo
Today · 4.125%
HK$38,311
baseline
▲ 0.50% · 4.625%
HK$40,330
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,622/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,206
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,426
−HK$1,239/mo
Today · 4.125%
HK$41,665
baseline
▲ 0.50% · 4.625%
HK$44,200
+HK$2,535/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,330/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,616
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,786
−HK$1,187/mo
Today · 4.125%
HK$45,973
baseline
▲ 0.50% · 4.625%
HK$48,396
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,946/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,740
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,163
−HK$1,446/mo
Today · 4.125%
HK$48,609
baseline
▲ 0.50% · 4.625%
HK$51,567
+HK$2,958/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,218/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,886
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,251
−HK$1,384/mo
Today · 4.125%
HK$53,635
baseline
▲ 0.50% · 4.625%
HK$56,462
+HK$2,827/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,270/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,809
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,638
−HK$1,859/mo
Today · 4.125%
HK$62,497
baseline
▲ 0.50% · 4.625%
HK$66,300
+HK$3,803/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$124,994/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,425
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,179
−HK$1,780/mo
Today · 4.125%
HK$68,959
baseline
▲ 0.50% · 4.625%
HK$72,594
+HK$3,635/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,918/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,304 · Scale 2, in force from 26 Feb 2026)