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$32,651
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,667
−HK$1,032/mo
Today · 4.125%
HK$34,699
baseline
▲ 0.50% · 4.625%
HK$36,810
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,398/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,324
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,298
−HK$989/mo
Today · 4.125%
HK$38,287
baseline
▲ 0.50% · 4.625%
HK$40,305
+HK$2,018/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,574/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$536,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,182
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,400
−HK$1,239/mo
Today · 4.125%
HK$41,639
baseline
▲ 0.50% · 4.625%
HK$44,172
+HK$2,533/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,278/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,589
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,758
−HK$1,186/mo
Today · 4.125%
HK$45,944
baseline
▲ 0.50% · 4.625%
HK$48,366
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,888/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,712
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,134
−HK$1,444/mo
Today · 4.125%
HK$48,578
baseline
▲ 0.50% · 4.625%
HK$51,534
+HK$2,956/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$97,156/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,854
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,218
−HK$1,383/mo
Today · 4.125%
HK$53,601
baseline
▲ 0.50% · 4.625%
HK$56,427
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.02M · min. income ≈ HK$107,202/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,772
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,601
−HK$1,857/mo
Today · 4.125%
HK$62,458
baseline
▲ 0.50% · 4.625%
HK$66,258
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,916/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,384
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,137
−HK$1,779/mo
Today · 4.125%
HK$68,916
baseline
▲ 0.50% · 4.625%
HK$72,549
+HK$3,633/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,832/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,968 · Scale 2, in force from 26 Feb 2026)