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$32,594
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$1,031/mo
Today · 4.125%
HK$34,638
baseline
▲ 0.50% · 4.625%
HK$36,745
+HK$2,107/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,276/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,260
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,233
−HK$986/mo
Today · 4.125%
HK$38,219
baseline
▲ 0.50% · 4.625%
HK$40,234
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,438/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,112
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,329
−HK$1,236/mo
Today · 4.125%
HK$41,565
baseline
▲ 0.50% · 4.625%
HK$44,094
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,130/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,512
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,679
−HK$1,184/mo
Today · 4.125%
HK$45,863
baseline
▲ 0.50% · 4.625%
HK$48,280
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,726/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,631
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,050
−HK$1,443/mo
Today · 4.125%
HK$48,493
baseline
▲ 0.50% · 4.625%
HK$51,443
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$96,986/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,764
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,126
−HK$1,381/mo
Today · 4.125%
HK$53,507
baseline
▲ 0.50% · 4.625%
HK$56,327
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,014/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,668
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,493
−HK$1,855/mo
Today · 4.125%
HK$62,348
baseline
▲ 0.50% · 4.625%
HK$66,141
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,696/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,268
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,019
−HK$1,775/mo
Today · 4.125%
HK$68,794
baseline
▲ 0.50% · 4.625%
HK$72,421
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,588/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,019 · Scale 2, in force from 26 Feb 2026)