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$32,612
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,626
−HK$1,031/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,766
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,280
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,254
−HK$987/mo
Today · 4.125%
HK$38,241
baseline
▲ 0.50% · 4.625%
HK$40,256
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,482/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,134
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,352
−HK$1,236/mo
Today · 4.125%
HK$41,588
baseline
▲ 0.50% · 4.625%
HK$44,119
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,176/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,537
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,704
−HK$1,185/mo
Today · 4.125%
HK$45,889
baseline
▲ 0.50% · 4.625%
HK$48,308
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,778/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,657
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,077
−HK$1,443/mo
Today · 4.125%
HK$48,520
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,040/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,793
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,155
−HK$1,382/mo
Today · 4.125%
HK$53,537
baseline
▲ 0.50% · 4.625%
HK$56,359
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,074/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,702
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,528
−HK$1,855/mo
Today · 4.125%
HK$62,383
baseline
▲ 0.50% · 4.625%
HK$66,178
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,766/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,305
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,056
−HK$1,777/mo
Today · 4.125%
HK$68,833
baseline
▲ 0.50% · 4.625%
HK$72,461
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,666/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,321 · Scale 2, in force from 26 Feb 2026)