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$32,600
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$1,030/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$987/mo
Today · 4.125%
HK$38,226
baseline
▲ 0.50% · 4.625%
HK$40,241
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,452/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,119
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,336
−HK$1,237/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$44,102
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,146/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,520
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,687
−HK$1,184/mo
Today · 4.125%
HK$45,871
baseline
▲ 0.50% · 4.625%
HK$48,289
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,742/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,639
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,059
−HK$1,442/mo
Today · 4.125%
HK$48,501
baseline
▲ 0.50% · 4.625%
HK$51,453
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,002/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,773
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,135
−HK$1,381/mo
Today · 4.125%
HK$53,516
baseline
▲ 0.50% · 4.625%
HK$56,337
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,032/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,679
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,504
−HK$1,855/mo
Today · 4.125%
HK$62,359
baseline
▲ 0.50% · 4.625%
HK$66,153
+HK$3,794/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,718/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,280
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,031
−HK$1,776/mo
Today · 4.125%
HK$68,807
baseline
▲ 0.50% · 4.625%
HK$72,434
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,614/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,117 · Scale 2, in force from 26 Feb 2026)