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$32,595
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,608
−HK$1,031/mo
Today · 4.125%
HK$34,639
baseline
▲ 0.50% · 4.625%
HK$36,746
+HK$2,107/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,278/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,261
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,234
−HK$986/mo
Today · 4.125%
HK$38,220
baseline
▲ 0.50% · 4.625%
HK$40,235
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,440/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,113
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,330
−HK$1,236/mo
Today · 4.125%
HK$41,566
baseline
▲ 0.50% · 4.625%
HK$44,095
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,132/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,513
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,680
−HK$1,184/mo
Today · 4.125%
HK$45,864
baseline
▲ 0.50% · 4.625%
HK$48,282
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,728/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,632
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,052
−HK$1,442/mo
Today · 4.125%
HK$48,494
baseline
▲ 0.50% · 4.625%
HK$51,445
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$96,988/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,766
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,127
−HK$1,381/mo
Today · 4.125%
HK$53,508
baseline
▲ 0.50% · 4.625%
HK$56,329
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,016/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,670
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,495
−HK$1,854/mo
Today · 4.125%
HK$62,349
baseline
▲ 0.50% · 4.625%
HK$66,143
+HK$3,794/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,698/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,270
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,021
−HK$1,775/mo
Today · 4.125%
HK$68,796
baseline
▲ 0.50% · 4.625%
HK$72,423
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,592/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,035 · Scale 2, in force from 26 Feb 2026)