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$32,623
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,638
−HK$1,031/mo
Today · 4.125%
HK$34,669
baseline
▲ 0.50% · 4.625%
HK$36,779
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,338/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,293
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,266
−HK$988/mo
Today · 4.125%
HK$38,254
baseline
▲ 0.50% · 4.625%
HK$40,270
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,508/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,148
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,366
−HK$1,237/mo
Today · 4.125%
HK$41,603
baseline
▲ 0.50% · 4.625%
HK$44,134
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,206/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,552
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,720
−HK$1,185/mo
Today · 4.125%
HK$45,905
baseline
▲ 0.50% · 4.625%
HK$48,324
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,810/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,093
−HK$1,444/mo
Today · 4.125%
HK$48,537
baseline
▲ 0.50% · 4.625%
HK$51,490
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,074/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,810
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,173
−HK$1,382/mo
Today · 4.125%
HK$53,555
baseline
▲ 0.50% · 4.625%
HK$56,378
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,110/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,722
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,548
−HK$1,856/mo
Today · 4.125%
HK$62,404
baseline
▲ 0.50% · 4.625%
HK$66,201
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,808/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,327
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,079
−HK$1,778/mo
Today · 4.125%
HK$68,857
baseline
▲ 0.50% · 4.625%
HK$72,486
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,714/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,507 · Scale 2, in force from 26 Feb 2026)