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$32,581
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,594
−HK$1,030/mo
Today · 4.125%
HK$34,624
baseline
▲ 0.50% · 4.625%
HK$36,731
+HK$2,107/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,248/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,246
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,218
−HK$986/mo
Today · 4.125%
HK$38,204
baseline
▲ 0.50% · 4.625%
HK$40,218
+HK$2,014/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,408/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,097
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,313
−HK$1,236/mo
Today · 4.125%
HK$41,549
baseline
▲ 0.50% · 4.625%
HK$44,077
+HK$2,528/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$83,098/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,495
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,662
−HK$1,183/mo
Today · 4.125%
HK$45,845
baseline
▲ 0.50% · 4.625%
HK$48,262
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.57M · min. income ≈ HK$91,690/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,613
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,032
−HK$1,442/mo
Today · 4.125%
HK$48,474
baseline
▲ 0.50% · 4.625%
HK$51,423
+HK$2,949/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,948/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,744
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,105
−HK$1,381/mo
Today · 4.125%
HK$53,486
baseline
▲ 0.50% · 4.625%
HK$56,305
+HK$2,819/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$106,972/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,646
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,470
−HK$1,853/mo
Today · 4.125%
HK$62,323
baseline
▲ 0.50% · 4.625%
HK$66,116
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,646/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,243
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,993
−HK$1,775/mo
Today · 4.125%
HK$68,768
baseline
▲ 0.50% · 4.625%
HK$72,392
+HK$3,624/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,536/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,811 · Scale 2, in force from 26 Feb 2026)