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$32,584
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$1,030/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,734
+HK$2,107/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,249
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$987/mo
Today · 4.125%
HK$38,208
baseline
▲ 0.50% · 4.625%
HK$40,222
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,416/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,101
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,317
−HK$1,236/mo
Today · 4.125%
HK$41,553
baseline
▲ 0.50% · 4.625%
HK$44,081
+HK$2,528/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$83,106/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,499
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,666
−HK$1,183/mo
Today · 4.125%
HK$45,849
baseline
▲ 0.50% · 4.625%
HK$48,266
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$91,698/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,617
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,036
−HK$1,442/mo
Today · 4.125%
HK$48,478
baseline
▲ 0.50% · 4.625%
HK$51,428
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,956/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,749
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,110
−HK$1,381/mo
Today · 4.125%
HK$53,491
baseline
▲ 0.50% · 4.625%
HK$56,310
+HK$2,819/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,982/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,651
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,475
−HK$1,854/mo
Today · 4.125%
HK$62,329
baseline
▲ 0.50% · 4.625%
HK$66,122
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,658/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,249
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,999
−HK$1,775/mo
Today · 4.125%
HK$68,774
baseline
▲ 0.50% · 4.625%
HK$72,399
+HK$3,625/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,548/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,860 · Scale 2, in force from 26 Feb 2026)