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$2,045/mo
▼ 0.25% · 3.875%
HK$33,639
−HK$1,031/mo
Today · 4.125%
HK$34,670
baseline
▲ 0.50% · 4.625%
HK$36,780
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,340/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,295
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,268
−HK$987/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,272
+HK$2,017/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,150
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,367
−HK$1,238/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$44,136
+HK$2,531/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$536,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,553
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,185/mo
Today · 4.125%
HK$45,907
baseline
▲ 0.50% · 4.625%
HK$48,326
+HK$2,419/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$536,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,674
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,095
−HK$1,444/mo
Today · 4.125%
HK$48,539
baseline
▲ 0.50% · 4.625%
HK$51,492
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,078/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,812
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,175
−HK$1,383/mo
Today · 4.125%
HK$53,558
baseline
▲ 0.50% · 4.625%
HK$56,381
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,116/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,724
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,551
−HK$1,856/mo
Today · 4.125%
HK$62,407
baseline
▲ 0.50% · 4.625%
HK$66,204
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,814/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,330
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,082
−HK$1,778/mo
Today · 4.125%
HK$68,860
baseline
▲ 0.50% · 4.625%
HK$72,489
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,720/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,529 · Scale 2, in force from 26 Feb 2026)