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$32,609
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,623
−HK$1,031/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,763
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,277
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,250
−HK$987/mo
Today · 4.125%
HK$38,237
baseline
▲ 0.50% · 4.625%
HK$40,253
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,474/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,131
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,348
−HK$1,237/mo
Today · 4.125%
HK$41,585
baseline
▲ 0.50% · 4.625%
HK$44,115
+HK$2,530/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,170/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,533
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,700
−HK$1,185/mo
Today · 4.125%
HK$45,885
baseline
▲ 0.50% · 4.625%
HK$48,303
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,770/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,653
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,073
−HK$1,443/mo
Today · 4.125%
HK$48,516
baseline
▲ 0.50% · 4.625%
HK$51,468
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,032/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,788
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,150
−HK$1,382/mo
Today · 4.125%
HK$53,532
baseline
▲ 0.50% · 4.625%
HK$56,354
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,064/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,696
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,522
−HK$1,855/mo
Today · 4.125%
HK$62,377
baseline
▲ 0.50% · 4.625%
HK$66,173
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,754/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,299
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,051
−HK$1,776/mo
Today · 4.125%
HK$68,827
baseline
▲ 0.50% · 4.625%
HK$72,455
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,654/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,275 · Scale 2, in force from 26 Feb 2026)