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$32,650
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,666
−HK$1,031/mo
Today · 4.125%
HK$34,697
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,394/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,323
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,297
−HK$988/mo
Today · 4.125%
HK$38,285
baseline
▲ 0.50% · 4.625%
HK$40,303
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,570/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,180
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,399
−HK$1,238/mo
Today · 4.125%
HK$41,637
baseline
▲ 0.50% · 4.625%
HK$44,170
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,274/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,587
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,756
−HK$1,186/mo
Today · 4.125%
HK$45,942
baseline
▲ 0.50% · 4.625%
HK$48,364
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,884/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,444/mo
Today · 4.125%
HK$48,576
baseline
▲ 0.50% · 4.625%
HK$51,532
+HK$2,956/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,152/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,852
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,216
−HK$1,383/mo
Today · 4.125%
HK$53,599
baseline
▲ 0.50% · 4.625%
HK$56,425
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,198/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,770
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,598
−HK$1,857/mo
Today · 4.125%
HK$62,455
baseline
▲ 0.50% · 4.625%
HK$66,256
+HK$3,801/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,910/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,381
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,134
−HK$1,779/mo
Today · 4.125%
HK$68,913
baseline
▲ 0.50% · 4.625%
HK$72,546
+HK$3,633/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,826/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,946 · Scale 2, in force from 26 Feb 2026)