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$32,610
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$1,030/mo
Today · 4.125%
HK$34,655
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,310/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,252
−HK$987/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,254
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,133
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,350
−HK$1,236/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$44,117
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,172/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,535
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,702
−HK$1,185/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,305
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,655
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,075
−HK$1,443/mo
Today · 4.125%
HK$48,518
baseline
▲ 0.50% · 4.625%
HK$51,470
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,036/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,790
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,152
−HK$1,382/mo
Today · 4.125%
HK$53,534
baseline
▲ 0.50% · 4.625%
HK$56,356
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,068/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,699
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,525
−HK$1,855/mo
Today · 4.125%
HK$62,380
baseline
▲ 0.50% · 4.625%
HK$66,175
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,760/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,302
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,053
−HK$1,777/mo
Today · 4.125%
HK$68,830
baseline
▲ 0.50% · 4.625%
HK$72,458
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,660/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,296 · Scale 2, in force from 26 Feb 2026)