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$32,614
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,628
−HK$1,031/mo
Today · 4.125%
HK$34,659
baseline
▲ 0.50% · 4.625%
HK$36,768
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,318/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$988/mo
Today · 4.125%
HK$38,243
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,486/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,136
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,354
−HK$1,237/mo
Today · 4.125%
HK$41,591
baseline
▲ 0.50% · 4.625%
HK$44,121
+HK$2,530/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,182/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,539
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,707
−HK$1,184/mo
Today · 4.125%
HK$45,891
baseline
▲ 0.50% · 4.625%
HK$48,310
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,782/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,659
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,443/mo
Today · 4.125%
HK$48,522
baseline
▲ 0.50% · 4.625%
HK$51,475
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,044/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,795
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,158
−HK$1,382/mo
Today · 4.125%
HK$53,540
baseline
▲ 0.50% · 4.625%
HK$56,362
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,080/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,705
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,531
−HK$1,855/mo
Today · 4.125%
HK$62,386
baseline
▲ 0.50% · 4.625%
HK$66,182
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,772/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,308
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,060
−HK$1,777/mo
Today · 4.125%
HK$68,837
baseline
▲ 0.50% · 4.625%
HK$72,465
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,674/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,349 · Scale 2, in force from 26 Feb 2026)