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$32,625
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,640
−HK$1,031/mo
Today · 4.125%
HK$34,671
baseline
▲ 0.50% · 4.625%
HK$36,781
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,342/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,295
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,269
−HK$987/mo
Today · 4.125%
HK$38,256
baseline
▲ 0.50% · 4.625%
HK$40,273
+HK$2,017/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,512/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,150
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,368
−HK$1,237/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$44,137
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,210/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,554
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,185/mo
Today · 4.125%
HK$45,907
baseline
▲ 0.50% · 4.625%
HK$48,327
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,814/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,675
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,096
−HK$1,444/mo
Today · 4.125%
HK$48,540
baseline
▲ 0.50% · 4.625%
HK$51,493
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,080/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,813
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,176
−HK$1,383/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,382
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,725
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,552
−HK$1,856/mo
Today · 4.125%
HK$62,408
baseline
▲ 0.50% · 4.625%
HK$66,205
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,816/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,331
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,084
−HK$1,777/mo
Today · 4.125%
HK$68,861
baseline
▲ 0.50% · 4.625%
HK$72,491
+HK$3,630/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,722/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,539 · Scale 2, in force from 26 Feb 2026)