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$32,628
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,643
−HK$1,031/mo
Today · 4.125%
HK$34,674
baseline
▲ 0.50% · 4.625%
HK$36,784
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,348/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,298
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,272
−HK$987/mo
Today · 4.125%
HK$38,259
baseline
▲ 0.50% · 4.625%
HK$40,276
+HK$2,017/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,518/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,153
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,371
−HK$1,238/mo
Today · 4.125%
HK$41,609
baseline
▲ 0.50% · 4.625%
HK$44,140
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,218/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,558
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,726
−HK$1,185/mo
Today · 4.125%
HK$45,911
baseline
▲ 0.50% · 4.625%
HK$48,331
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$91,822/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,679
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,100
−HK$1,443/mo
Today · 4.125%
HK$48,543
baseline
▲ 0.50% · 4.625%
HK$51,497
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,086/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,817
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,180
−HK$1,383/mo
Today · 4.125%
HK$53,563
baseline
▲ 0.50% · 4.625%
HK$56,386
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,126/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,730
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,557
−HK$1,856/mo
Today · 4.125%
HK$62,413
baseline
▲ 0.50% · 4.625%
HK$66,211
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,826/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,336
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,089
−HK$1,777/mo
Today · 4.125%
HK$68,866
baseline
▲ 0.50% · 4.625%
HK$72,496
+HK$3,630/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,732/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,581 · Scale 2, in force from 26 Feb 2026)