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$32,592
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,605
−HK$1,030/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,743
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,258
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$987/mo
Today · 4.125%
HK$38,217
baseline
▲ 0.50% · 4.625%
HK$40,231
+HK$2,014/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,434/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,110
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,326
−HK$1,236/mo
Today · 4.125%
HK$41,562
baseline
▲ 0.50% · 4.625%
HK$44,091
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,124/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,509
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,184/mo
Today · 4.125%
HK$45,860
baseline
▲ 0.50% · 4.625%
HK$48,277
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,720/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,628
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,047
−HK$1,442/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,440
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,761
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,381/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,324
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,665
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,490
−HK$1,854/mo
Today · 4.125%
HK$62,344
baseline
▲ 0.50% · 4.625%
HK$66,137
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,688/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,264
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,014
−HK$1,776/mo
Today · 4.125%
HK$68,790
baseline
▲ 0.50% · 4.625%
HK$72,416
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,580/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,986 · Scale 2, in force from 26 Feb 2026)