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$32,630
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,645
−HK$1,032/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,787
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,301
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,275
−HK$987/mo
Today · 4.125%
HK$38,262
baseline
▲ 0.50% · 4.625%
HK$40,279
+HK$2,017/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,524/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,156
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,374
−HK$1,238/mo
Today · 4.125%
HK$41,612
baseline
▲ 0.50% · 4.625%
HK$44,144
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$83,224/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,561
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,729
−HK$1,186/mo
Today · 4.125%
HK$45,915
baseline
▲ 0.50% · 4.625%
HK$48,335
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.59M · min. income ≈ HK$91,830/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,683
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,444/mo
Today · 4.125%
HK$48,547
baseline
▲ 0.50% · 4.625%
HK$51,501
+HK$2,954/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,094/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,821
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,184
−HK$1,383/mo
Today · 4.125%
HK$53,567
baseline
▲ 0.50% · 4.625%
HK$56,391
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,134/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,735
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,562
−HK$1,856/mo
Today · 4.125%
HK$62,418
baseline
▲ 0.50% · 4.625%
HK$66,216
+HK$3,798/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,836/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,342
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,094
−HK$1,778/mo
Today · 4.125%
HK$68,872
baseline
▲ 0.50% · 4.625%
HK$72,502
+HK$3,630/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,744/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,624 · Scale 2, in force from 26 Feb 2026)