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$33,624
−HK$1,031/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$536,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,278
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,251
−HK$987/mo
Today · 4.125%
HK$38,238
baseline
▲ 0.50% · 4.625%
HK$40,254
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,476/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,132
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,349
−HK$1,237/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$44,116
+HK$2,530/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$536,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,534
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,701
−HK$1,185/mo
Today · 4.125%
HK$45,886
baseline
▲ 0.50% · 4.625%
HK$48,305
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,772/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,654
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,074
−HK$1,443/mo
Today · 4.125%
HK$48,517
baseline
▲ 0.50% · 4.625%
HK$51,469
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,034/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,288 · 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$56,355
+HK$2,821/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$536,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,698
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,524
−HK$1,855/mo
Today · 4.125%
HK$62,379
baseline
▲ 0.50% · 4.625%
HK$66,174
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,758/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,301
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,052
−HK$1,777/mo
Today · 4.125%
HK$68,829
baseline
▲ 0.50% · 4.625%
HK$72,457
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,658/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,288 · Scale 2, in force from 26 Feb 2026)