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$32,604
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,618
−HK$1,030/mo
Today · 4.125%
HK$34,648
baseline
▲ 0.50% · 4.625%
HK$36,757
+HK$2,109/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,296/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,271
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,244
−HK$987/mo
Today · 4.125%
HK$38,231
baseline
▲ 0.50% · 4.625%
HK$40,246
+HK$2,015/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,462/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,125
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,342
−HK$1,236/mo
Today · 4.125%
HK$41,578
baseline
▲ 0.50% · 4.625%
HK$44,108
+HK$2,530/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,156/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,526
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,693
−HK$1,184/mo
Today · 4.125%
HK$45,877
baseline
▲ 0.50% · 4.625%
HK$48,296
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,754/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,645
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,065
−HK$1,443/mo
Today · 4.125%
HK$48,508
baseline
▲ 0.50% · 4.625%
HK$51,459
+HK$2,951/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,016/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,780
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,142
−HK$1,382/mo
Today · 4.125%
HK$53,524
baseline
▲ 0.50% · 4.625%
HK$56,345
+HK$2,821/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,048/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,687
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,512
−HK$1,855/mo
Today · 4.125%
HK$62,367
baseline
▲ 0.50% · 4.625%
HK$66,162
+HK$3,795/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,734/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,289
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,040
−HK$1,776/mo
Today · 4.125%
HK$68,816
baseline
▲ 0.50% · 4.625%
HK$72,443
+HK$3,627/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,632/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,188 · Scale 2, in force from 26 Feb 2026)