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$32,613
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,628
−HK$1,030/mo
Today · 4.125%
HK$34,658
baseline
▲ 0.50% · 4.625%
HK$36,767
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,316/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$987/mo
Today · 4.125%
HK$38,242
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,484/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,136
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,353
−HK$1,237/mo
Today · 4.125%
HK$41,590
baseline
▲ 0.50% · 4.625%
HK$44,120
+HK$2,530/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,180/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,538
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,706
−HK$1,184/mo
Today · 4.125%
HK$45,890
baseline
▲ 0.50% · 4.625%
HK$48,309
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,780/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,658
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,442/mo
Today · 4.125%
HK$48,521
baseline
▲ 0.50% · 4.625%
HK$51,474
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,042/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,794
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,157
−HK$1,382/mo
Today · 4.125%
HK$53,539
baseline
▲ 0.50% · 4.625%
HK$56,361
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,078/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,703
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,530
−HK$1,855/mo
Today · 4.125%
HK$62,385
baseline
▲ 0.50% · 4.625%
HK$66,181
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,770/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,307
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,059
−HK$1,776/mo
Today · 4.125%
HK$68,835
baseline
▲ 0.50% · 4.625%
HK$72,464
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,670/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,339 · Scale 2, in force from 26 Feb 2026)