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$32,619
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,634
−HK$1,031/mo
Today · 4.125%
HK$34,665
baseline
▲ 0.50% · 4.625%
HK$36,774
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,330/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,288
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,262
−HK$987/mo
Today · 4.125%
HK$38,249
baseline
▲ 0.50% · 4.625%
HK$40,265
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,498/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,143
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,360
−HK$1,237/mo
Today · 4.125%
HK$41,597
baseline
▲ 0.50% · 4.625%
HK$44,129
+HK$2,532/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,194/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,546
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,714
−HK$1,185/mo
Today · 4.125%
HK$45,899
baseline
▲ 0.50% · 4.625%
HK$48,318
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,798/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,667
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,087
−HK$1,443/mo
Today · 4.125%
HK$48,530
baseline
▲ 0.50% · 4.625%
HK$51,483
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,060/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,804
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,166
−HK$1,382/mo
Today · 4.125%
HK$53,548
baseline
▲ 0.50% · 4.625%
HK$56,371
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,096/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,714
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,541
−HK$1,855/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$66,193
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,319
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,071
−HK$1,777/mo
Today · 4.125%
HK$68,848
baseline
▲ 0.50% · 4.625%
HK$72,477
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,696/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,438 · Scale 2, in force from 26 Feb 2026)