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$32,615
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,629
−HK$1,031/mo
Today · 4.125%
HK$34,660
baseline
▲ 0.50% · 4.625%
HK$36,769
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,320/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,257
−HK$987/mo
Today · 4.125%
HK$38,244
baseline
▲ 0.50% · 4.625%
HK$40,260
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,488/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,138
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,355
−HK$1,237/mo
Today · 4.125%
HK$41,592
baseline
▲ 0.50% · 4.625%
HK$44,123
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,184/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,540
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,708
−HK$1,185/mo
Today · 4.125%
HK$45,893
baseline
▲ 0.50% · 4.625%
HK$48,312
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,786/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,661
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,081
−HK$1,443/mo
Today · 4.125%
HK$48,524
baseline
▲ 0.50% · 4.625%
HK$51,477
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,048/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,797
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,159
−HK$1,382/mo
Today · 4.125%
HK$53,541
baseline
▲ 0.50% · 4.625%
HK$56,364
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,082/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,707
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,533
−HK$1,855/mo
Today · 4.125%
HK$62,388
baseline
▲ 0.50% · 4.625%
HK$66,184
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,776/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,310
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,062
−HK$1,777/mo
Today · 4.125%
HK$68,839
baseline
▲ 0.50% · 4.625%
HK$72,468
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,678/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,367 · Scale 2, in force from 26 Feb 2026)