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$32,691
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,708
−HK$1,033/mo
Today · 4.125%
HK$34,741
baseline
▲ 0.50% · 4.625%
HK$36,855
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,482/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,368
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,344
−HK$989/mo
Today · 4.125%
HK$38,333
baseline
▲ 0.50% · 4.625%
HK$40,354
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,666/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,229
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,449
−HK$1,240/mo
Today · 4.125%
HK$41,689
baseline
▲ 0.50% · 4.625%
HK$44,226
+HK$2,537/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,378/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,642
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,812
−HK$1,188/mo
Today · 4.125%
HK$46,000
baseline
▲ 0.50% · 4.625%
HK$48,425
+HK$2,425/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$92,000/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,767
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,191
−HK$1,446/mo
Today · 4.125%
HK$48,637
baseline
▲ 0.50% · 4.625%
HK$51,597
+HK$2,960/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,274/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,916
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,281
−HK$1,386/mo
Today · 4.125%
HK$53,667
baseline
▲ 0.50% · 4.625%
HK$56,495
+HK$2,828/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,334/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,844
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,674
−HK$1,860/mo
Today · 4.125%
HK$62,534
baseline
▲ 0.50% · 4.625%
HK$66,339
+HK$3,805/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,068/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,463
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,219
−HK$1,781/mo
Today · 4.125%
HK$69,000
baseline
▲ 0.50% · 4.625%
HK$72,637
+HK$3,637/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$138,000/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,620 · Scale 2, in force from 26 Feb 2026)