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$32,618
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$1,031/mo
Today · 4.125%
HK$34,663
baseline
▲ 0.50% · 4.625%
HK$36,772
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,326/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,287
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,260
−HK$987/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,263
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,141
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,359
−HK$1,237/mo
Today · 4.125%
HK$41,596
baseline
▲ 0.50% · 4.625%
HK$44,127
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,192/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,544
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,712
−HK$1,185/mo
Today · 4.125%
HK$45,897
baseline
▲ 0.50% · 4.625%
HK$48,316
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,794/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,665
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,085
−HK$1,443/mo
Today · 4.125%
HK$48,528
baseline
▲ 0.50% · 4.625%
HK$51,481
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,056/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,802
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,164
−HK$1,382/mo
Today · 4.125%
HK$53,546
baseline
▲ 0.50% · 4.625%
HK$56,369
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,092/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,712
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,538
−HK$1,856/mo
Today · 4.125%
HK$62,394
baseline
▲ 0.50% · 4.625%
HK$66,190
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,788/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,316
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,068
−HK$1,777/mo
Today · 4.125%
HK$68,845
baseline
▲ 0.50% · 4.625%
HK$72,474
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,690/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,416 · Scale 2, in force from 26 Feb 2026)