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$32,614
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,629
−HK$1,030/mo
Today · 4.125%
HK$34,659
baseline
▲ 0.50% · 4.625%
HK$36,768
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,318/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,283
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,256
−HK$987/mo
Today · 4.125%
HK$38,243
baseline
▲ 0.50% · 4.625%
HK$40,259
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,486/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,137
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,354
−HK$1,237/mo
Today · 4.125%
HK$41,591
baseline
▲ 0.50% · 4.625%
HK$44,122
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,182/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,540
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,707
−HK$1,185/mo
Today · 4.125%
HK$45,892
baseline
▲ 0.50% · 4.625%
HK$48,311
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,784/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,660
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,080
−HK$1,443/mo
Today · 4.125%
HK$48,523
baseline
▲ 0.50% · 4.625%
HK$51,476
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,046/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,796
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,158
−HK$1,382/mo
Today · 4.125%
HK$53,540
baseline
▲ 0.50% · 4.625%
HK$56,363
+HK$2,823/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,080/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,706
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,532
−HK$1,855/mo
Today · 4.125%
HK$62,387
baseline
▲ 0.50% · 4.625%
HK$66,183
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,774/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,309
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,061
−HK$1,777/mo
Today · 4.125%
HK$68,838
baseline
▲ 0.50% · 4.625%
HK$72,466
+HK$3,628/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,676/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,358 · Scale 2, in force from 26 Feb 2026)