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$32,621
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$1,031/mo
Today · 4.125%
HK$34,666
baseline
▲ 0.50% · 4.625%
HK$36,776
+HK$2,110/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,332/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,290
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,264
−HK$987/mo
Today · 4.125%
HK$38,251
baseline
▲ 0.50% · 4.625%
HK$40,267
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,502/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,145
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,363
−HK$1,237/mo
Today · 4.125%
HK$41,600
baseline
▲ 0.50% · 4.625%
HK$44,131
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,200/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,548
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,185/mo
Today · 4.125%
HK$45,901
baseline
▲ 0.50% · 4.625%
HK$48,321
+HK$2,420/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,802/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,669
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,090
−HK$1,443/mo
Today · 4.125%
HK$48,533
baseline
▲ 0.50% · 4.625%
HK$51,486
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,066/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,806
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,169
−HK$1,382/mo
Today · 4.125%
HK$53,551
baseline
▲ 0.50% · 4.625%
HK$56,374
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,102/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,717
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,544
−HK$1,856/mo
Today · 4.125%
HK$62,400
baseline
▲ 0.50% · 4.625%
HK$66,196
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,800/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,323
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,074
−HK$1,778/mo
Today · 4.125%
HK$68,852
baseline
▲ 0.50% · 4.625%
HK$72,481
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,704/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,466 · Scale 2, in force from 26 Feb 2026)