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$32,598
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,612
−HK$1,030/mo
Today · 4.125%
HK$34,642
baseline
▲ 0.50% · 4.625%
HK$36,750
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,284/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,265
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,238
−HK$986/mo
Today · 4.125%
HK$38,224
baseline
▲ 0.50% · 4.625%
HK$40,239
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,448/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,118
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,335
−HK$1,236/mo
Today · 4.125%
HK$41,571
baseline
▲ 0.50% · 4.625%
HK$44,100
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,142/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,518
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,685
−HK$1,184/mo
Today · 4.125%
HK$45,869
baseline
▲ 0.50% · 4.625%
HK$48,287
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,738/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,638
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,057
−HK$1,442/mo
Today · 4.125%
HK$48,499
baseline
▲ 0.50% · 4.625%
HK$51,450
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$96,998/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,771
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,133
−HK$1,381/mo
Today · 4.125%
HK$53,514
baseline
▲ 0.50% · 4.625%
HK$56,335
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,028/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,677
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,502
−HK$1,854/mo
Today · 4.125%
HK$62,356
baseline
▲ 0.50% · 4.625%
HK$66,151
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,712/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,277
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,028
−HK$1,776/mo
Today · 4.125%
HK$68,804
baseline
▲ 0.50% · 4.625%
HK$72,431
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,608/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,095 · Scale 2, in force from 26 Feb 2026)