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$32,611
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$1,031/mo
Today · 4.125%
HK$34,656
baseline
▲ 0.50% · 4.625%
HK$36,765
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,312/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,252
−HK$988/mo
Today · 4.125%
HK$38,240
baseline
▲ 0.50% · 4.625%
HK$40,255
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,480/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,133
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,351
−HK$1,236/mo
Today · 4.125%
HK$41,587
baseline
▲ 0.50% · 4.625%
HK$44,118
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,174/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,535
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,703
−HK$1,184/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,306
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,655
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,076
−HK$1,442/mo
Today · 4.125%
HK$48,518
baseline
▲ 0.50% · 4.625%
HK$51,471
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,036/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,791
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,153
−HK$1,382/mo
Today · 4.125%
HK$53,535
baseline
▲ 0.50% · 4.625%
HK$56,357
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,070/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,700
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,526
−HK$1,855/mo
Today · 4.125%
HK$62,381
baseline
▲ 0.50% · 4.625%
HK$66,177
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,762/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,303
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,054
−HK$1,777/mo
Today · 4.125%
HK$68,831
baseline
▲ 0.50% · 4.625%
HK$72,459
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,662/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,306 · Scale 2, in force from 26 Feb 2026)