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$32,578
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,592
−HK$1,029/mo
Today · 4.125%
HK$34,621
baseline
▲ 0.50% · 4.625%
HK$36,728
+HK$2,107/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,242/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,243
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,215
−HK$986/mo
Today · 4.125%
HK$38,201
baseline
▲ 0.50% · 4.625%
HK$40,215
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,402/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,094
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,310
−HK$1,236/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,528/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,492
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,658
−HK$1,184/mo
Today · 4.125%
HK$45,842
baseline
▲ 0.50% · 4.625%
HK$48,258
+HK$2,416/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,684/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,610
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,029
−HK$1,441/mo
Today · 4.125%
HK$48,470
baseline
▲ 0.50% · 4.625%
HK$51,419
+HK$2,949/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,940/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,740
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,101
−HK$1,381/mo
Today · 4.125%
HK$53,482
baseline
▲ 0.50% · 4.625%
HK$56,301
+HK$2,819/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,964/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,641
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,465
−HK$1,854/mo
Today · 4.125%
HK$62,319
baseline
▲ 0.50% · 4.625%
HK$66,110
+HK$3,791/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,638/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,238
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,987
−HK$1,775/mo
Today · 4.125%
HK$68,762
baseline
▲ 0.50% · 4.625%
HK$72,387
+HK$3,625/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,524/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,770 · Scale 2, in force from 26 Feb 2026)