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$32,588
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,601
−HK$1,030/mo
Today · 4.125%
HK$34,631
baseline
▲ 0.50% · 4.625%
HK$36,739
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,262/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,254
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,226
−HK$986/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,226
+HK$2,014/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,105
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,322
−HK$1,236/mo
Today · 4.125%
HK$41,558
baseline
▲ 0.50% · 4.625%
HK$44,086
+HK$2,528/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$83,116/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,504
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,671
−HK$1,184/mo
Today · 4.125%
HK$45,855
baseline
▲ 0.50% · 4.625%
HK$48,272
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$91,710/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,623
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,042
−HK$1,442/mo
Today · 4.125%
HK$48,484
baseline
▲ 0.50% · 4.625%
HK$51,434
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,968/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,755
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,116
−HK$1,381/mo
Today · 4.125%
HK$53,497
baseline
▲ 0.50% · 4.625%
HK$56,317
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,994/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,658
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,483
−HK$1,853/mo
Today · 4.125%
HK$62,336
baseline
▲ 0.50% · 4.625%
HK$66,129
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,672/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,256
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,007
−HK$1,775/mo
Today · 4.125%
HK$68,782
baseline
▲ 0.50% · 4.625%
HK$72,408
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,564/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,923 · Scale 2, in force from 26 Feb 2026)