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$32,616
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,630
−HK$1,031/mo
Today · 4.125%
HK$34,661
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,322/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,258
−HK$987/mo
Today · 4.125%
HK$38,245
baseline
▲ 0.50% · 4.625%
HK$40,261
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,490/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,139
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,237/mo
Today · 4.125%
HK$41,593
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,186/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,541
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,709
−HK$1,185/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,313
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,662
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,443/mo
Today · 4.125%
HK$48,525
baseline
▲ 0.50% · 4.625%
HK$51,478
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,050/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,798
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,161
−HK$1,382/mo
Today · 4.125%
HK$53,543
baseline
▲ 0.50% · 4.625%
HK$56,365
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,086/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,708
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,534
−HK$1,855/mo
Today · 4.125%
HK$62,389
baseline
▲ 0.50% · 4.625%
HK$66,186
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,778/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,312
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,064
−HK$1,777/mo
Today · 4.125%
HK$68,841
baseline
▲ 0.50% · 4.625%
HK$72,469
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,682/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,380 · Scale 2, in force from 26 Feb 2026)