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$32,658
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$1,032/mo
Today · 4.125%
HK$34,706
baseline
▲ 0.50% · 4.625%
HK$36,818
+HK$2,112/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,412/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,332
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,307
−HK$988/mo
Today · 4.125%
HK$38,295
baseline
▲ 0.50% · 4.625%
HK$40,314
+HK$2,019/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,590/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$537,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,190
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,239/mo
Today · 4.125%
HK$41,648
baseline
▲ 0.50% · 4.625%
HK$44,182
+HK$2,534/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,296/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,599
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,768
−HK$1,186/mo
Today · 4.125%
HK$45,954
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,422/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,908/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$537,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,722
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,144
−HK$1,445/mo
Today · 4.125%
HK$48,589
baseline
▲ 0.50% · 4.625%
HK$51,545
+HK$2,956/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$97,178/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,865
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,229
−HK$1,384/mo
Today · 4.125%
HK$53,613
baseline
▲ 0.50% · 4.625%
HK$56,439
+HK$2,826/mo
Deposit HK$4.30M · loan HK$10.03M · min. income ≈ HK$107,226/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$537,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,785
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,614
−HK$1,857/mo
Today · 4.125%
HK$62,471
baseline
▲ 0.50% · 4.625%
HK$66,273
+HK$3,802/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$124,942/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,398
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,152
−HK$1,779/mo
Today · 4.125%
HK$68,931
baseline
▲ 0.50% · 4.625%
HK$72,564
+HK$3,633/mo
Deposit HK$1.43M · loan HK$12.89M · min. income ≈ HK$137,862/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$537,084 · Scale 2, in force from 26 Feb 2026)