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$32,689
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,706
−HK$1,033/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$2,114/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,366
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$989/mo
Today · 4.125%
HK$38,331
baseline
▲ 0.50% · 4.625%
HK$40,352
+HK$2,021/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,662/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$537,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,227
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,447
−HK$1,240/mo
Today · 4.125%
HK$41,687
baseline
▲ 0.50% · 4.625%
HK$44,223
+HK$2,536/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$83,374/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,640
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,810
−HK$1,187/mo
Today · 4.125%
HK$45,997
baseline
▲ 0.50% · 4.625%
HK$48,422
+HK$2,425/mo
Deposit HK$5.73M · loan HK$8.60M · min. income ≈ HK$91,994/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,765
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,188
−HK$1,447/mo
Today · 4.125%
HK$48,635
baseline
▲ 0.50% · 4.625%
HK$51,594
+HK$2,959/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,270/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,913
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,278
−HK$1,385/mo
Today · 4.125%
HK$53,663
baseline
▲ 0.50% · 4.625%
HK$56,492
+HK$2,829/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,326/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$537,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,840
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,671
−HK$1,859/mo
Today · 4.125%
HK$62,530
baseline
▲ 0.50% · 4.625%
HK$66,335
+HK$3,805/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$125,060/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,459
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,215
−HK$1,781/mo
Today · 4.125%
HK$68,996
baseline
▲ 0.50% · 4.625%
HK$72,633
+HK$3,637/mo
Deposit HK$1.43M · loan HK$12.90M · min. income ≈ HK$137,992/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,589 · Scale 2, in force from 26 Feb 2026)