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$2,045/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$1,031/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,753
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,240
−HK$987/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,242
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$536,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,120
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,337
−HK$1,236/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$44,103
+HK$2,530/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$536,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,521
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,688
−HK$1,184/mo
Today · 4.125%
HK$45,872
baseline
▲ 0.50% · 4.625%
HK$48,290
+HK$2,418/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,744/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$536,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,640
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,060
−HK$1,442/mo
Today · 4.125%
HK$48,502
baseline
▲ 0.50% · 4.625%
HK$51,454
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,004/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,774
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,136
−HK$1,382/mo
Today · 4.125%
HK$53,518
baseline
▲ 0.50% · 4.625%
HK$56,338
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,036/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,680
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,506
−HK$1,854/mo
Today · 4.125%
HK$62,360
baseline
▲ 0.50% · 4.625%
HK$66,155
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,720/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,281
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,032
−HK$1,776/mo
Today · 4.125%
HK$68,808
baseline
▲ 0.50% · 4.625%
HK$72,435
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,616/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,127 · Scale 2, in force from 26 Feb 2026)