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$32,585
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,599
−HK$1,030/mo
Today · 4.125%
HK$34,629
baseline
▲ 0.50% · 4.625%
HK$36,736
+HK$2,107/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,258/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,251
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,223
−HK$986/mo
Today · 4.125%
HK$38,209
baseline
▲ 0.50% · 4.625%
HK$40,223
+HK$2,014/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,418/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,102
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,319
−HK$1,235/mo
Today · 4.125%
HK$41,554
baseline
▲ 0.50% · 4.625%
HK$44,083
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$83,108/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,501
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,668
−HK$1,183/mo
Today · 4.125%
HK$45,851
baseline
▲ 0.50% · 4.625%
HK$48,268
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$91,702/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,619
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,038
−HK$1,442/mo
Today · 4.125%
HK$48,480
baseline
▲ 0.50% · 4.625%
HK$51,430
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,960/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,751
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,112
−HK$1,381/mo
Today · 4.125%
HK$53,493
baseline
▲ 0.50% · 4.625%
HK$56,313
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,986/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,653
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,478
−HK$1,853/mo
Today · 4.125%
HK$62,331
baseline
▲ 0.50% · 4.625%
HK$66,124
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,662/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,251
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,001
−HK$1,776/mo
Today · 4.125%
HK$68,777
baseline
▲ 0.50% · 4.625%
HK$72,402
+HK$3,625/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,554/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,881 · Scale 2, in force from 26 Feb 2026)