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$32,591
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$1,030/mo
Today · 4.125%
HK$34,634
baseline
▲ 0.50% · 4.625%
HK$36,742
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,268/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,257
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,229
−HK$987/mo
Today · 4.125%
HK$38,216
baseline
▲ 0.50% · 4.625%
HK$40,230
+HK$2,014/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,432/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,109
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,236/mo
Today · 4.125%
HK$41,561
baseline
▲ 0.50% · 4.625%
HK$44,090
+HK$2,529/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,122/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,508
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,675
−HK$1,184/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,276
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,718/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,627
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,046
−HK$1,442/mo
Today · 4.125%
HK$48,488
baseline
▲ 0.50% · 4.625%
HK$51,438
+HK$2,950/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,976/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,759
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,121
−HK$1,381/mo
Today · 4.125%
HK$53,502
baseline
▲ 0.50% · 4.625%
HK$56,322
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$107,004/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,663
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,488
−HK$1,854/mo
Today · 4.125%
HK$62,342
baseline
▲ 0.50% · 4.625%
HK$66,135
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,684/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,262
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,012
−HK$1,776/mo
Today · 4.125%
HK$68,788
baseline
▲ 0.50% · 4.625%
HK$72,414
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,576/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,970 · Scale 2, in force from 26 Feb 2026)