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$32,576
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$1,029/mo
Today · 4.125%
HK$34,619
baseline
▲ 0.50% · 4.625%
HK$36,726
+HK$2,107/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,238/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,241
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,213
−HK$986/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,213
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,092
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,308
−HK$1,235/mo
Today · 4.125%
HK$41,543
baseline
▲ 0.50% · 4.625%
HK$44,071
+HK$2,528/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,086/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,489
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,656
−HK$1,183/mo
Today · 4.125%
HK$45,839
baseline
▲ 0.50% · 4.625%
HK$48,255
+HK$2,416/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,678/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,607
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,026
−HK$1,441/mo
Today · 4.125%
HK$48,467
baseline
▲ 0.50% · 4.625%
HK$51,416
+HK$2,949/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,934/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,737
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,098
−HK$1,381/mo
Today · 4.125%
HK$53,479
baseline
▲ 0.50% · 4.625%
HK$56,298
+HK$2,819/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,958/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,638
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,462
−HK$1,853/mo
Today · 4.125%
HK$62,315
baseline
▲ 0.50% · 4.625%
HK$66,106
+HK$3,791/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,630/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,234
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,983
−HK$1,775/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,383
+HK$3,625/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,738 · Scale 2, in force from 26 Feb 2026)