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$32,645
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,660
−HK$1,032/mo
Today · 4.125%
HK$34,692
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,384/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,317
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,291
−HK$988/mo
Today · 4.125%
HK$38,279
baseline
▲ 0.50% · 4.625%
HK$40,297
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,558/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,392
−HK$1,238/mo
Today · 4.125%
HK$41,630
baseline
▲ 0.50% · 4.625%
HK$44,163
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,260/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,580
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,749
−HK$1,186/mo
Today · 4.125%
HK$45,935
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,870/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,703
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,124
−HK$1,444/mo
Today · 4.125%
HK$48,568
baseline
▲ 0.50% · 4.625%
HK$51,524
+HK$2,956/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,136/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,844
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,207
−HK$1,383/mo
Today · 4.125%
HK$53,590
baseline
▲ 0.50% · 4.625%
HK$56,415
+HK$2,825/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,180/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,760
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,588
−HK$1,857/mo
Today · 4.125%
HK$62,445
baseline
▲ 0.50% · 4.625%
HK$66,245
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,890/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,370
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,124
−HK$1,778/mo
Today · 4.125%
HK$68,902
baseline
▲ 0.50% · 4.625%
HK$72,534
+HK$3,632/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,804/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,859 · Scale 2, in force from 26 Feb 2026)