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$32,582
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,596
−HK$1,030/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,732
+HK$2,106/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,247
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,220
−HK$986/mo
Today · 4.125%
HK$38,206
baseline
▲ 0.50% · 4.625%
HK$40,220
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,412/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,099
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,315
−HK$1,236/mo
Today · 4.125%
HK$41,551
baseline
▲ 0.50% · 4.625%
HK$44,079
+HK$2,528/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$83,102/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,497
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,664
−HK$1,183/mo
Today · 4.125%
HK$45,847
baseline
▲ 0.50% · 4.625%
HK$48,264
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$91,694/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,615
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,034
−HK$1,442/mo
Today · 4.125%
HK$48,476
baseline
▲ 0.50% · 4.625%
HK$51,425
+HK$2,949/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,952/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,746
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,107
−HK$1,381/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,308
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,976/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,648
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,472
−HK$1,854/mo
Today · 4.125%
HK$62,326
baseline
▲ 0.50% · 4.625%
HK$66,118
+HK$3,792/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,652/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,245
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,995
−HK$1,775/mo
Today · 4.125%
HK$68,770
baseline
▲ 0.50% · 4.625%
HK$72,395
+HK$3,625/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,540/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,833 · Scale 2, in force from 26 Feb 2026)