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$32,593
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$1,030/mo
Today · 4.125%
HK$34,637
baseline
▲ 0.50% · 4.625%
HK$36,745
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,274/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,260
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,232
−HK$986/mo
Today · 4.125%
HK$38,218
baseline
▲ 0.50% · 4.625%
HK$40,233
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,436/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,112
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,328
−HK$1,236/mo
Today · 4.125%
HK$41,564
baseline
▲ 0.50% · 4.625%
HK$44,093
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,128/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,511
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,678
−HK$1,184/mo
Today · 4.125%
HK$45,862
baseline
▲ 0.50% · 4.625%
HK$48,280
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,724/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,630
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,050
−HK$1,442/mo
Today · 4.125%
HK$48,492
baseline
▲ 0.50% · 4.625%
HK$51,442
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$96,984/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,763
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,125
−HK$1,381/mo
Today · 4.125%
HK$53,506
baseline
▲ 0.50% · 4.625%
HK$56,326
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,012/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$536,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,668
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,492
−HK$1,855/mo
Today · 4.125%
HK$62,347
baseline
▲ 0.50% · 4.625%
HK$66,140
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,694/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,267
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,018
−HK$1,775/mo
Today · 4.125%
HK$68,793
baseline
▲ 0.50% · 4.625%
HK$72,419
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,586/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,011 · Scale 2, in force from 26 Feb 2026)