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$32,602
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,616
−HK$1,030/mo
Today · 4.125%
HK$34,646
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,292/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,269
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,242
−HK$987/mo
Today · 4.125%
HK$38,229
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,458/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,339
−HK$1,237/mo
Today · 4.125%
HK$41,576
baseline
▲ 0.50% · 4.625%
HK$44,105
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,152/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,523
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,690
−HK$1,185/mo
Today · 4.125%
HK$45,875
baseline
▲ 0.50% · 4.625%
HK$48,293
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,750/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,643
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,443/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,456
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,777
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,139
−HK$1,381/mo
Today · 4.125%
HK$53,520
baseline
▲ 0.50% · 4.625%
HK$56,341
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,040/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,683
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,509
−HK$1,854/mo
Today · 4.125%
HK$62,363
baseline
▲ 0.50% · 4.625%
HK$66,158
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,726/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,285
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,036
−HK$1,776/mo
Today · 4.125%
HK$68,812
baseline
▲ 0.50% · 4.625%
HK$72,439
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,624/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,155 · Scale 2, in force from 26 Feb 2026)