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$32,572
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,585
−HK$1,029/mo
Today · 4.125%
HK$34,614
baseline
▲ 0.50% · 4.625%
HK$36,721
+HK$2,107/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,228/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$986/mo
Today · 4.125%
HK$38,194
baseline
▲ 0.50% · 4.625%
HK$40,207
+HK$2,013/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,388/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,086
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,302
−HK$1,235/mo
Today · 4.125%
HK$41,537
baseline
▲ 0.50% · 4.625%
HK$44,065
+HK$2,528/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,074/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,483
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,649
−HK$1,183/mo
Today · 4.125%
HK$45,832
baseline
▲ 0.50% · 4.625%
HK$48,248
+HK$2,416/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,664/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,601
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,019
−HK$1,441/mo
Today · 4.125%
HK$48,460
baseline
▲ 0.50% · 4.625%
HK$51,409
+HK$2,949/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,920/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,730
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,091
−HK$1,380/mo
Today · 4.125%
HK$53,471
baseline
▲ 0.50% · 4.625%
HK$56,290
+HK$2,819/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,942/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,629
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,453
−HK$1,853/mo
Today · 4.125%
HK$62,306
baseline
▲ 0.50% · 4.625%
HK$66,097
+HK$3,791/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,612/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,225
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,974
−HK$1,774/mo
Today · 4.125%
HK$68,748
baseline
▲ 0.50% · 4.625%
HK$72,372
+HK$3,624/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,496/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,662 · Scale 2, in force from 26 Feb 2026)