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$32,719
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,736
−HK$1,034/mo
Today · 4.125%
HK$34,770
baseline
▲ 0.50% · 4.625%
HK$36,886
+HK$2,116/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,540/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$991/mo
Today · 4.125%
HK$38,366
baseline
▲ 0.50% · 4.625%
HK$40,388
+HK$2,022/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,732/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,262
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,483
−HK$1,241/mo
Today · 4.125%
HK$41,724
baseline
▲ 0.50% · 4.625%
HK$44,263
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,448/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,679
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,850
−HK$1,189/mo
Today · 4.125%
HK$46,039
baseline
▲ 0.50% · 4.625%
HK$48,465
+HK$2,426/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,078/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,806
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,231
−HK$1,447/mo
Today · 4.125%
HK$48,678
baseline
▲ 0.50% · 4.625%
HK$51,640
+HK$2,962/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,356/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,959
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,325
−HK$1,387/mo
Today · 4.125%
HK$53,712
baseline
▲ 0.50% · 4.625%
HK$56,543
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,424/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,893
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,725
−HK$1,861/mo
Today · 4.125%
HK$62,586
baseline
▲ 0.50% · 4.625%
HK$66,395
+HK$3,809/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,172/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,518
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,275
−HK$1,783/mo
Today · 4.125%
HK$69,058
baseline
▲ 0.50% · 4.625%
HK$72,698
+HK$3,640/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,116/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,073 · Scale 2, in force from 26 Feb 2026)