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$32,580
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,593
−HK$1,030/mo
Today · 4.125%
HK$34,623
baseline
▲ 0.50% · 4.625%
HK$36,730
+HK$2,107/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,246/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,245
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,217
−HK$986/mo
Today · 4.125%
HK$38,203
baseline
▲ 0.50% · 4.625%
HK$40,217
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,406/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,096
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,236/mo
Today · 4.125%
HK$41,548
baseline
▲ 0.50% · 4.625%
HK$44,076
+HK$2,528/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$83,096/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,494
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,660
−HK$1,184/mo
Today · 4.125%
HK$45,844
baseline
▲ 0.50% · 4.625%
HK$48,260
+HK$2,416/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$91,688/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,612
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,031
−HK$1,441/mo
Today · 4.125%
HK$48,472
baseline
▲ 0.50% · 4.625%
HK$51,422
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,944/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,743
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,104
−HK$1,380/mo
Today · 4.125%
HK$53,484
baseline
▲ 0.50% · 4.625%
HK$56,304
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,968/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,644
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,468
−HK$1,854/mo
Today · 4.125%
HK$62,322
baseline
▲ 0.50% · 4.625%
HK$66,114
+HK$3,792/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,644/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,241
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,991
−HK$1,775/mo
Today · 4.125%
HK$68,766
baseline
▲ 0.50% · 4.625%
HK$72,390
+HK$3,624/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,532/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,796 · Scale 2, in force from 26 Feb 2026)