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$32,590
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$1,030/mo
Today · 4.125%
HK$34,634
baseline
▲ 0.50% · 4.625%
HK$36,741
+HK$2,107/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$535,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,256
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,229
−HK$986/mo
Today · 4.125%
HK$38,215
baseline
▲ 0.50% · 4.625%
HK$40,229
+HK$2,014/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,430/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$535,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,108
−HK$2,453/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$535,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,508
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,674
−HK$1,184/mo
Today · 4.125%
HK$45,858
baseline
▲ 0.50% · 4.625%
HK$48,275
+HK$2,417/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,716/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$535,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,626
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,046
−HK$1,441/mo
Today · 4.125%
HK$48,487
baseline
▲ 0.50% · 4.625%
HK$51,438
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$96,974/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,759
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,120
−HK$1,381/mo
Today · 4.125%
HK$53,501
baseline
▲ 0.50% · 4.625%
HK$56,321
+HK$2,820/mo
Deposit HK$4.29M · loan HK$10.00M · min. income ≈ HK$107,002/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,662
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,487
−HK$1,854/mo
Today · 4.125%
HK$62,341
baseline
▲ 0.50% · 4.625%
HK$66,134
+HK$3,793/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$124,682/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,261
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,012
−HK$1,775/mo
Today · 4.125%
HK$68,787
baseline
▲ 0.50% · 4.625%
HK$72,413
+HK$3,626/mo
Deposit HK$1.43M · loan HK$12.86M · min. income ≈ HK$137,574/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$535,963 · Scale 2, in force from 26 Feb 2026)