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$32,629
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,644
−HK$1,031/mo
Today · 4.125%
HK$34,675
baseline
▲ 0.50% · 4.625%
HK$36,785
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,350/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,299
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,273
−HK$987/mo
Today · 4.125%
HK$38,260
baseline
▲ 0.50% · 4.625%
HK$40,277
+HK$2,017/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,520/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,154
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,372
−HK$1,238/mo
Today · 4.125%
HK$41,610
baseline
▲ 0.50% · 4.625%
HK$44,142
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,220/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,559
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,727
−HK$1,185/mo
Today · 4.125%
HK$45,912
baseline
▲ 0.50% · 4.625%
HK$48,332
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$91,824/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,680
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,101
−HK$1,444/mo
Today · 4.125%
HK$48,545
baseline
▲ 0.50% · 4.625%
HK$51,498
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,090/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,819
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,182
−HK$1,382/mo
Today · 4.125%
HK$53,564
baseline
▲ 0.50% · 4.625%
HK$56,388
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,128/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,732
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,558
−HK$1,857/mo
Today · 4.125%
HK$62,415
baseline
▲ 0.50% · 4.625%
HK$66,212
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,830/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,338
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,091
−HK$1,777/mo
Today · 4.125%
HK$68,868
baseline
▲ 0.50% · 4.625%
HK$72,498
+HK$3,630/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,736/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,595 · Scale 2, in force from 26 Feb 2026)