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$32,592
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,606
−HK$1,030/mo
Today · 4.125%
HK$34,636
baseline
▲ 0.50% · 4.625%
HK$36,743
+HK$2,107/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,272/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,258
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,231
−HK$986/mo
Today · 4.125%
HK$38,217
baseline
▲ 0.50% · 4.625%
HK$40,232
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,434/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,110
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,327
−HK$1,236/mo
Today · 4.125%
HK$41,563
baseline
▲ 0.50% · 4.625%
HK$44,092
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,126/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,510
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,677
−HK$1,183/mo
Today · 4.125%
HK$45,860
baseline
▲ 0.50% · 4.625%
HK$48,278
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,720/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,629
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,048
−HK$1,442/mo
Today · 4.125%
HK$48,490
baseline
▲ 0.50% · 4.625%
HK$51,440
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$96,980/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,761
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,123
−HK$1,381/mo
Today · 4.125%
HK$53,504
baseline
▲ 0.50% · 4.625%
HK$56,324
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,008/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,665
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,490
−HK$1,854/mo
Today · 4.125%
HK$62,344
baseline
▲ 0.50% · 4.625%
HK$66,138
+HK$3,794/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,688/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,265
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,015
−HK$1,776/mo
Today · 4.125%
HK$68,791
baseline
▲ 0.50% · 4.625%
HK$72,417
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,582/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,991 · Scale 2, in force from 26 Feb 2026)