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$32,585
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,598
−HK$1,030/mo
Today · 4.125%
HK$34,628
baseline
▲ 0.50% · 4.625%
HK$36,735
+HK$2,107/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,256/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,250
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,222
−HK$987/mo
Today · 4.125%
HK$38,209
baseline
▲ 0.50% · 4.625%
HK$40,223
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,418/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,102
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,318
−HK$1,236/mo
Today · 4.125%
HK$41,554
baseline
▲ 0.50% · 4.625%
HK$44,082
+HK$2,528/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$83,108/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,500
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,667
−HK$1,183/mo
Today · 4.125%
HK$45,850
baseline
▲ 0.50% · 4.625%
HK$48,267
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$91,700/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,618
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,037
−HK$1,442/mo
Today · 4.125%
HK$48,479
baseline
▲ 0.50% · 4.625%
HK$51,429
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,958/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,750
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,111
−HK$1,381/mo
Today · 4.125%
HK$53,492
baseline
▲ 0.50% · 4.625%
HK$56,312
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,984/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,652
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,477
−HK$1,853/mo
Today · 4.125%
HK$62,330
baseline
▲ 0.50% · 4.625%
HK$66,123
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,660/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,250
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$67,000
−HK$1,775/mo
Today · 4.125%
HK$68,775
baseline
▲ 0.50% · 4.625%
HK$72,401
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,550/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,872 · Scale 2, in force from 26 Feb 2026)