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$32,601
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,615
−HK$1,030/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,268
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$987/mo
Today · 4.125%
HK$38,228
baseline
▲ 0.50% · 4.625%
HK$40,243
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,456/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,121
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,338
−HK$1,237/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$44,104
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,522
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,689
−HK$1,184/mo
Today · 4.125%
HK$45,873
baseline
▲ 0.50% · 4.625%
HK$48,291
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,746/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,641
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,061
−HK$1,443/mo
Today · 4.125%
HK$48,504
baseline
▲ 0.50% · 4.625%
HK$51,455
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,008/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,776
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,137
−HK$1,382/mo
Today · 4.125%
HK$53,519
baseline
▲ 0.50% · 4.625%
HK$56,340
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,038/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,682
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,507
−HK$1,855/mo
Today · 4.125%
HK$62,362
baseline
▲ 0.50% · 4.625%
HK$66,156
+HK$3,794/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,724/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,283
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,034
−HK$1,776/mo
Today · 4.125%
HK$68,810
baseline
▲ 0.50% · 4.625%
HK$72,437
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,620/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,142 · Scale 2, in force from 26 Feb 2026)