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$32,660
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,676
−HK$1,032/mo
Today · 4.125%
HK$34,708
baseline
▲ 0.50% · 4.625%
HK$36,820
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,416/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,334
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,308
−HK$989/mo
Today · 4.125%
HK$38,297
baseline
▲ 0.50% · 4.625%
HK$40,316
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,594/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,192
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,411
−HK$1,239/mo
Today · 4.125%
HK$41,650
baseline
▲ 0.50% · 4.625%
HK$44,184
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,300/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,601
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,770
−HK$1,186/mo
Today · 4.125%
HK$45,956
baseline
▲ 0.50% · 4.625%
HK$48,379
+HK$2,423/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,912/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,724
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,146
−HK$1,445/mo
Today · 4.125%
HK$48,591
baseline
▲ 0.50% · 4.625%
HK$51,548
+HK$2,957/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,182/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,868
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,232
−HK$1,384/mo
Today · 4.125%
HK$53,616
baseline
▲ 0.50% · 4.625%
HK$56,442
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,232/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,788
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,617
−HK$1,858/mo
Today · 4.125%
HK$62,475
baseline
▲ 0.50% · 4.625%
HK$66,276
+HK$3,801/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,950/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,401
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,155
−HK$1,780/mo
Today · 4.125%
HK$68,935
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$3,633/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,870/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,111 · Scale 2, in force from 26 Feb 2026)