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$32,605
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$1,031/mo
Today · 4.125%
HK$34,650
baseline
▲ 0.50% · 4.625%
HK$36,758
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,300/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,273
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,246
−HK$987/mo
Today · 4.125%
HK$38,233
baseline
▲ 0.50% · 4.625%
HK$40,248
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,466/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,126
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,343
−HK$1,237/mo
Today · 4.125%
HK$41,580
baseline
▲ 0.50% · 4.625%
HK$44,110
+HK$2,530/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,160/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,527
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,695
−HK$1,184/mo
Today · 4.125%
HK$45,879
baseline
▲ 0.50% · 4.625%
HK$48,297
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,758/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,647
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,067
−HK$1,443/mo
Today · 4.125%
HK$48,510
baseline
▲ 0.50% · 4.625%
HK$51,461
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,020/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,782
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,144
−HK$1,382/mo
Today · 4.125%
HK$53,526
baseline
▲ 0.50% · 4.625%
HK$56,347
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,052/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,689
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,515
−HK$1,855/mo
Today · 4.125%
HK$62,370
baseline
▲ 0.50% · 4.625%
HK$66,165
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,740/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,291
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,042
−HK$1,777/mo
Today · 4.125%
HK$68,819
baseline
▲ 0.50% · 4.625%
HK$72,446
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,638/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,209 · Scale 2, in force from 26 Feb 2026)