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$32,560
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,573
−HK$1,029/mo
Today · 4.125%
HK$34,602
baseline
▲ 0.50% · 4.625%
HK$36,707
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,204/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,223
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,194
−HK$986/mo
Today · 4.125%
HK$38,180
baseline
▲ 0.50% · 4.625%
HK$40,192
+HK$2,012/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,360/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,072
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,287
−HK$1,235/mo
Today · 4.125%
HK$41,522
baseline
▲ 0.50% · 4.625%
HK$44,049
+HK$2,527/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,044/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,467
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,633
−HK$1,183/mo
Today · 4.125%
HK$45,816
baseline
▲ 0.50% · 4.625%
HK$48,231
+HK$2,415/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,632/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,584
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,002
−HK$1,441/mo
Today · 4.125%
HK$48,443
baseline
▲ 0.50% · 4.625%
HK$51,390
+HK$2,947/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$96,886/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,712
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,072
−HK$1,380/mo
Today · 4.125%
HK$53,452
baseline
▲ 0.50% · 4.625%
HK$56,269
+HK$2,817/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$106,904/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,608
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,431
−HK$1,852/mo
Today · 4.125%
HK$62,283
baseline
▲ 0.50% · 4.625%
HK$66,073
+HK$3,790/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,566/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,201
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,949
−HK$1,774/mo
Today · 4.125%
HK$68,723
baseline
▲ 0.50% · 4.625%
HK$72,346
+HK$3,623/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,446/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,467 · Scale 2, in force from 26 Feb 2026)