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$32,566
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,579
−HK$1,029/mo
Today · 4.125%
HK$34,608
baseline
▲ 0.50% · 4.625%
HK$36,713
+HK$2,105/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,216/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,229
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,200
−HK$986/mo
Today · 4.125%
HK$38,186
baseline
▲ 0.50% · 4.625%
HK$40,199
+HK$2,013/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,372/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,079
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,294
−HK$1,235/mo
Today · 4.125%
HK$41,529
baseline
▲ 0.50% · 4.625%
HK$44,056
+HK$2,527/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,058/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,475
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,641
−HK$1,182/mo
Today · 4.125%
HK$45,823
baseline
▲ 0.50% · 4.625%
HK$48,239
+HK$2,416/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,646/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,592
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,010
−HK$1,441/mo
Today · 4.125%
HK$48,451
baseline
▲ 0.50% · 4.625%
HK$51,399
+HK$2,948/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$96,902/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,720
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,081
−HK$1,380/mo
Today · 4.125%
HK$53,461
baseline
▲ 0.50% · 4.625%
HK$56,279
+HK$2,818/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$106,922/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,618
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,441
−HK$1,853/mo
Today · 4.125%
HK$62,294
baseline
▲ 0.50% · 4.625%
HK$66,084
+HK$3,790/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,588/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,212
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,961
−HK$1,774/mo
Today · 4.125%
HK$68,735
baseline
▲ 0.50% · 4.625%
HK$72,358
+HK$3,623/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,470/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,558 · Scale 2, in force from 26 Feb 2026)