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$32,562
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$1,029/mo
Today · 4.125%
HK$34,604
baseline
▲ 0.50% · 4.625%
HK$36,709
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,208/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,225
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,196
−HK$986/mo
Today · 4.125%
HK$38,182
baseline
▲ 0.50% · 4.625%
HK$40,194
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,364/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,074
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,290
−HK$1,234/mo
Today · 4.125%
HK$41,524
baseline
▲ 0.50% · 4.625%
HK$44,051
+HK$2,527/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,048/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,470
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,635
−HK$1,183/mo
Today · 4.125%
HK$45,818
baseline
▲ 0.50% · 4.625%
HK$48,233
+HK$2,415/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,636/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,586
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,004
−HK$1,441/mo
Today · 4.125%
HK$48,445
baseline
▲ 0.50% · 4.625%
HK$51,393
+HK$2,948/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$96,890/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,714
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,075
−HK$1,379/mo
Today · 4.125%
HK$53,454
baseline
▲ 0.50% · 4.625%
HK$56,272
+HK$2,818/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$106,908/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,611
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,434
−HK$1,853/mo
Today · 4.125%
HK$62,287
baseline
▲ 0.50% · 4.625%
HK$66,077
+HK$3,790/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,574/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,204
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,953
−HK$1,774/mo
Today · 4.125%
HK$68,727
baseline
▲ 0.50% · 4.625%
HK$72,350
+HK$3,623/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,454/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,495 · Scale 2, in force from 26 Feb 2026)