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$32,616
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,631
−HK$1,031/mo
Today · 4.125%
HK$34,662
baseline
▲ 0.50% · 4.625%
HK$36,771
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,324/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,285
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$987/mo
Today · 4.125%
HK$38,246
baseline
▲ 0.50% · 4.625%
HK$40,262
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,492/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,140
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,357
−HK$1,237/mo
Today · 4.125%
HK$41,594
baseline
▲ 0.50% · 4.625%
HK$44,125
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,188/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,543
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,710
−HK$1,185/mo
Today · 4.125%
HK$45,895
baseline
▲ 0.50% · 4.625%
HK$48,314
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,790/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,663
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,083
−HK$1,444/mo
Today · 4.125%
HK$48,527
baseline
▲ 0.50% · 4.625%
HK$51,479
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,054/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,800
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,162
−HK$1,382/mo
Today · 4.125%
HK$53,544
baseline
▲ 0.50% · 4.625%
HK$56,367
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,088/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,710
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,536
−HK$1,855/mo
Today · 4.125%
HK$62,391
baseline
▲ 0.50% · 4.625%
HK$66,188
+HK$3,797/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,782/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,314
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,066
−HK$1,777/mo
Today · 4.125%
HK$68,843
baseline
▲ 0.50% · 4.625%
HK$72,471
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,686/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,395 · Scale 2, in force from 26 Feb 2026)