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$32,716
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$1,033/mo
Today · 4.125%
HK$34,767
baseline
▲ 0.50% · 4.625%
HK$36,883
+HK$2,116/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,534/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,396
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,372
−HK$990/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,023/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,259
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,480
−HK$1,241/mo
Today · 4.125%
HK$41,721
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,442/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,675
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,847
−HK$1,188/mo
Today · 4.125%
HK$46,035
baseline
▲ 0.50% · 4.625%
HK$48,461
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,070/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,802
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,227
−HK$1,447/mo
Today · 4.125%
HK$48,674
baseline
▲ 0.50% · 4.625%
HK$51,636
+HK$2,962/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,348/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,954
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,321
−HK$1,386/mo
Today · 4.125%
HK$53,707
baseline
▲ 0.50% · 4.625%
HK$56,538
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,414/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,889
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,720
−HK$1,861/mo
Today · 4.125%
HK$62,581
baseline
▲ 0.50% · 4.625%
HK$66,389
+HK$3,808/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,162/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,513
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,270
−HK$1,782/mo
Today · 4.125%
HK$69,052
baseline
▲ 0.50% · 4.625%
HK$72,692
+HK$3,640/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,104/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,030 · Scale 2, in force from 26 Feb 2026)