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$32,608
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,622
−HK$1,030/mo
Today · 4.125%
HK$34,652
baseline
▲ 0.50% · 4.625%
HK$36,761
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,304/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,276
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,248
−HK$987/mo
Today · 4.125%
HK$38,235
baseline
▲ 0.50% · 4.625%
HK$40,251
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,470/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,129
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,346
−HK$1,237/mo
Today · 4.125%
HK$41,583
baseline
▲ 0.50% · 4.625%
HK$44,113
+HK$2,530/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,166/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,531
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,698
−HK$1,184/mo
Today · 4.125%
HK$45,882
baseline
▲ 0.50% · 4.625%
HK$48,301
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,764/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,651
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,071
−HK$1,442/mo
Today · 4.125%
HK$48,513
baseline
▲ 0.50% · 4.625%
HK$51,465
+HK$2,952/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,026/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,786
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,148
−HK$1,382/mo
Today · 4.125%
HK$53,530
baseline
▲ 0.50% · 4.625%
HK$56,351
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,060/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,694
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,519
−HK$1,855/mo
Today · 4.125%
HK$62,374
baseline
▲ 0.50% · 4.625%
HK$66,169
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,748/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,296
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,047
−HK$1,777/mo
Today · 4.125%
HK$68,824
baseline
▲ 0.50% · 4.625%
HK$72,452
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,648/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,248 · Scale 2, in force from 26 Feb 2026)