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$32,563
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$1,030/mo
Today · 4.125%
HK$34,605
baseline
▲ 0.50% · 4.625%
HK$36,710
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,210/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,226
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,197
−HK$986/mo
Today · 4.125%
HK$38,183
baseline
▲ 0.50% · 4.625%
HK$40,195
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,366/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,075
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,291
−HK$1,234/mo
Today · 4.125%
HK$41,525
baseline
▲ 0.50% · 4.625%
HK$44,052
+HK$2,527/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,050/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,471
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,636
−HK$1,183/mo
Today · 4.125%
HK$45,819
baseline
▲ 0.50% · 4.625%
HK$48,234
+HK$2,415/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,638/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,588
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,006
−HK$1,440/mo
Today · 4.125%
HK$48,446
baseline
▲ 0.50% · 4.625%
HK$51,394
+HK$2,948/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$96,892/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,716
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,076
−HK$1,380/mo
Today · 4.125%
HK$53,456
baseline
▲ 0.50% · 4.625%
HK$56,273
+HK$2,817/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$106,912/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,613
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,436
−HK$1,852/mo
Today · 4.125%
HK$62,288
baseline
▲ 0.50% · 4.625%
HK$66,078
+HK$3,790/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,576/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,206
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,955
−HK$1,774/mo
Today · 4.125%
HK$68,729
baseline
▲ 0.50% · 4.625%
HK$72,352
+HK$3,623/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,458/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,509 · Scale 2, in force from 26 Feb 2026)