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$32,632
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$1,031/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,789
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,303
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,277
−HK$987/mo
Today · 4.125%
HK$38,264
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,528/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,159
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,377
−HK$1,237/mo
Today · 4.125%
HK$41,614
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,228/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,564
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,732
−HK$1,185/mo
Today · 4.125%
HK$45,917
baseline
▲ 0.50% · 4.625%
HK$48,337
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$91,834/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,685
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,106
−HK$1,444/mo
Today · 4.125%
HK$48,550
baseline
▲ 0.50% · 4.625%
HK$51,504
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,100/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,824
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,383/mo
Today · 4.125%
HK$53,570
baseline
▲ 0.50% · 4.625%
HK$56,394
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,140/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,738
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,565
−HK$1,856/mo
Today · 4.125%
HK$62,421
baseline
▲ 0.50% · 4.625%
HK$66,219
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,842/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,345
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,098
−HK$1,778/mo
Today · 4.125%
HK$68,876
baseline
▲ 0.50% · 4.625%
HK$72,506
+HK$3,630/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,752/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,653 · Scale 2, in force from 26 Feb 2026)