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$32,622
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,637
−HK$1,031/mo
Today · 4.125%
HK$34,668
baseline
▲ 0.50% · 4.625%
HK$36,778
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,336/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,292
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,265
−HK$988/mo
Today · 4.125%
HK$38,253
baseline
▲ 0.50% · 4.625%
HK$40,269
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,506/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,147
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,365
−HK$1,237/mo
Today · 4.125%
HK$41,602
baseline
▲ 0.50% · 4.625%
HK$44,133
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,204/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,551
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,184/mo
Today · 4.125%
HK$45,903
baseline
▲ 0.50% · 4.625%
HK$48,323
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,806/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,671
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,092
−HK$1,443/mo
Today · 4.125%
HK$48,535
baseline
▲ 0.50% · 4.625%
HK$51,489
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,070/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,809
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,172
−HK$1,382/mo
Today · 4.125%
HK$53,554
baseline
▲ 0.50% · 4.625%
HK$56,377
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,108/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,720
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,547
−HK$1,856/mo
Today · 4.125%
HK$62,403
baseline
▲ 0.50% · 4.625%
HK$66,200
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,806/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,326
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,078
−HK$1,777/mo
Today · 4.125%
HK$68,855
baseline
▲ 0.50% · 4.625%
HK$72,485
+HK$3,630/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,710/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,493 · Scale 2, in force from 26 Feb 2026)