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$32,602
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,616
−HK$1,031/mo
Today · 4.125%
HK$34,647
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,294/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,270
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,242
−HK$987/mo
Today · 4.125%
HK$38,229
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,458/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,123
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,340
−HK$1,236/mo
Today · 4.125%
HK$41,576
baseline
▲ 0.50% · 4.625%
HK$44,106
+HK$2,530/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,152/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,524
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,691
−HK$1,184/mo
Today · 4.125%
HK$45,875
baseline
▲ 0.50% · 4.625%
HK$48,293
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,750/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,643
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,063
−HK$1,442/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,457
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,778
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,139
−HK$1,382/mo
Today · 4.125%
HK$53,521
baseline
▲ 0.50% · 4.625%
HK$56,342
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,042/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,684
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,509
−HK$1,855/mo
Today · 4.125%
HK$62,364
baseline
▲ 0.50% · 4.625%
HK$66,159
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,728/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,285
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,036
−HK$1,777/mo
Today · 4.125%
HK$68,813
baseline
▲ 0.50% · 4.625%
HK$72,440
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,626/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,161 · Scale 2, in force from 26 Feb 2026)