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$32,567
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,580
−HK$1,029/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,715
+HK$2,106/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$69,218/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,230
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,202
−HK$985/mo
Today · 4.125%
HK$38,187
baseline
▲ 0.50% · 4.625%
HK$40,200
+HK$2,013/mo
Deposit HK$7.14M · loan HK$7.14M · min. income ≈ HK$76,374/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,080
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,295
−HK$1,235/mo
Today · 4.125%
HK$41,530
baseline
▲ 0.50% · 4.625%
HK$44,058
+HK$2,528/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$83,060/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,476
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,642
−HK$1,183/mo
Today · 4.125%
HK$45,825
baseline
▲ 0.50% · 4.625%
HK$48,240
+HK$2,415/mo
Deposit HK$5.71M · loan HK$8.57M · min. income ≈ HK$91,650/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,593
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,011
−HK$1,441/mo
Today · 4.125%
HK$48,452
baseline
▲ 0.50% · 4.625%
HK$51,400
+HK$2,948/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$96,904/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,722
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,082
−HK$1,380/mo
Today · 4.125%
HK$53,462
baseline
▲ 0.50% · 4.625%
HK$56,280
+HK$2,818/mo
Deposit HK$4.28M · loan HK$10.00M · min. income ≈ HK$106,924/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,620
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,443
−HK$1,853/mo
Today · 4.125%
HK$62,296
baseline
▲ 0.50% · 4.625%
HK$66,086
+HK$3,790/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$124,592/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,214
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,963
−HK$1,774/mo
Today · 4.125%
HK$68,737
baseline
▲ 0.50% · 4.625%
HK$72,360
+HK$3,623/mo
Deposit HK$1.43M · loan HK$12.85M · min. income ≈ HK$137,474/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,574 · Scale 2, in force from 26 Feb 2026)