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$32,597
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,611
−HK$1,030/mo
Today · 4.125%
HK$34,641
baseline
▲ 0.50% · 4.625%
HK$36,749
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,282/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,263
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,236
−HK$987/mo
Today · 4.125%
HK$38,223
baseline
▲ 0.50% · 4.625%
HK$40,237
+HK$2,014/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,446/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,116
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,333
−HK$1,236/mo
Today · 4.125%
HK$41,569
baseline
▲ 0.50% · 4.625%
HK$44,098
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,138/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,516
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,683
−HK$1,184/mo
Today · 4.125%
HK$45,867
baseline
▲ 0.50% · 4.625%
HK$48,285
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,734/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,635
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,055
−HK$1,442/mo
Today · 4.125%
HK$48,497
baseline
▲ 0.50% · 4.625%
HK$51,448
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$96,994/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,769
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,130
−HK$1,382/mo
Today · 4.125%
HK$53,512
baseline
▲ 0.50% · 4.625%
HK$56,332
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,024/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,674
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,499
−HK$1,854/mo
Today · 4.125%
HK$62,353
baseline
▲ 0.50% · 4.625%
HK$66,147
+HK$3,794/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,706/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,274
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,025
−HK$1,776/mo
Today · 4.125%
HK$68,801
baseline
▲ 0.50% · 4.625%
HK$72,427
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,602/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,069 · Scale 2, in force from 26 Feb 2026)