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$32,622
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,636
−HK$1,031/mo
Today · 4.125%
HK$34,667
baseline
▲ 0.50% · 4.625%
HK$36,777
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,334/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,291
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,265
−HK$987/mo
Today · 4.125%
HK$38,252
baseline
▲ 0.50% · 4.625%
HK$40,268
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,504/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,146
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,364
−HK$1,237/mo
Today · 4.125%
HK$41,601
baseline
▲ 0.50% · 4.625%
HK$44,132
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,202/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,550
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,718
−HK$1,185/mo
Today · 4.125%
HK$45,903
baseline
▲ 0.50% · 4.625%
HK$48,322
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,806/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,670
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,091
−HK$1,443/mo
Today · 4.125%
HK$48,534
baseline
▲ 0.50% · 4.625%
HK$51,488
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,068/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,808
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,171
−HK$1,382/mo
Today · 4.125%
HK$53,553
baseline
▲ 0.50% · 4.625%
HK$56,376
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,106/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,719
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,546
−HK$1,855/mo
Today · 4.125%
HK$62,401
baseline
▲ 0.50% · 4.625%
HK$66,198
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,802/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,324
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,076
−HK$1,778/mo
Today · 4.125%
HK$68,854
baseline
▲ 0.50% · 4.625%
HK$72,483
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,708/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,482 · Scale 2, in force from 26 Feb 2026)