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$32,606
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,621
−HK$1,030/mo
Today · 4.125%
HK$34,651
baseline
▲ 0.50% · 4.625%
HK$36,760
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,302/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,274
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,247
−HK$987/mo
Today · 4.125%
HK$38,234
baseline
▲ 0.50% · 4.625%
HK$40,250
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,468/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,128
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,345
−HK$1,236/mo
Today · 4.125%
HK$41,581
baseline
▲ 0.50% · 4.625%
HK$44,112
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,162/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,529
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,697
−HK$1,184/mo
Today · 4.125%
HK$45,881
baseline
▲ 0.50% · 4.625%
HK$48,299
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,762/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,649
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,069
−HK$1,443/mo
Today · 4.125%
HK$48,512
baseline
▲ 0.50% · 4.625%
HK$51,463
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,024/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,784
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,146
−HK$1,382/mo
Today · 4.125%
HK$53,528
baseline
▲ 0.50% · 4.625%
HK$56,349
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,056/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,692
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,517
−HK$1,855/mo
Today · 4.125%
HK$62,372
baseline
▲ 0.50% · 4.625%
HK$66,167
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,744/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,294
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,045
−HK$1,776/mo
Today · 4.125%
HK$68,821
baseline
▲ 0.50% · 4.625%
HK$72,449
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,642/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,231 · Scale 2, in force from 26 Feb 2026)