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$32,571
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,584
−HK$1,029/mo
Today · 4.125%
HK$34,613
baseline
▲ 0.50% · 4.625%
HK$36,719
+HK$2,106/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,226/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,235
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,206
−HK$986/mo
Today · 4.125%
HK$38,192
baseline
▲ 0.50% · 4.625%
HK$40,205
+HK$2,013/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,384/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,085
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,301
−HK$1,235/mo
Today · 4.125%
HK$41,536
baseline
▲ 0.50% · 4.625%
HK$44,063
+HK$2,527/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,072/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,481
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,648
−HK$1,183/mo
Today · 4.125%
HK$45,831
baseline
▲ 0.50% · 4.625%
HK$48,246
+HK$2,415/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,662/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,599
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,017
−HK$1,441/mo
Today · 4.125%
HK$48,458
baseline
▲ 0.50% · 4.625%
HK$51,407
+HK$2,949/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,916/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,728
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,089
−HK$1,380/mo
Today · 4.125%
HK$53,469
baseline
▲ 0.50% · 4.625%
HK$56,287
+HK$2,818/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,938/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,627
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,451
−HK$1,853/mo
Today · 4.125%
HK$62,304
baseline
▲ 0.50% · 4.625%
HK$66,095
+HK$3,791/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,608/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,222
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,971
−HK$1,775/mo
Today · 4.125%
HK$68,746
baseline
▲ 0.50% · 4.625%
HK$72,370
+HK$3,624/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,492/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,641 · Scale 2, in force from 26 Feb 2026)