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$32,589
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,603
−HK$1,030/mo
Today · 4.125%
HK$34,633
baseline
▲ 0.50% · 4.625%
HK$36,740
+HK$2,107/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,266/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,255
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,228
−HK$986/mo
Today · 4.125%
HK$38,214
baseline
▲ 0.50% · 4.625%
HK$40,228
+HK$2,014/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,428/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,107
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,324
−HK$1,235/mo
Today · 4.125%
HK$41,559
baseline
▲ 0.50% · 4.625%
HK$44,088
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,118/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,506
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,673
−HK$1,184/mo
Today · 4.125%
HK$45,857
baseline
▲ 0.50% · 4.625%
HK$48,274
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,714/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,625
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,044
−HK$1,442/mo
Today · 4.125%
HK$48,486
baseline
▲ 0.50% · 4.625%
HK$51,436
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,972/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,757
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,119
−HK$1,381/mo
Today · 4.125%
HK$53,500
baseline
▲ 0.50% · 4.625%
HK$56,320
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$107,000/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,661
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,485
−HK$1,854/mo
Today · 4.125%
HK$62,339
baseline
▲ 0.50% · 4.625%
HK$66,132
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,678/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,259
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,010
−HK$1,775/mo
Today · 4.125%
HK$68,785
baseline
▲ 0.50% · 4.625%
HK$72,411
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,570/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,948 · Scale 2, in force from 26 Feb 2026)