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$32,491
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,502
−HK$1,027/mo
Today · 4.125%
HK$34,529
baseline
▲ 0.50% · 4.625%
HK$36,630
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,058/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,146
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,116
−HK$983/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,107
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,989
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,202
−HK$1,232/mo
Today · 4.125%
HK$41,434
baseline
▲ 0.50% · 4.625%
HK$43,956
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,868/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,375
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,539
−HK$1,180/mo
Today · 4.125%
HK$45,719
baseline
▲ 0.50% · 4.625%
HK$48,129
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,438/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,488
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,903
−HK$1,437/mo
Today · 4.125%
HK$48,340
baseline
▲ 0.50% · 4.625%
HK$51,282
+HK$2,942/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,680/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,605
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,962
−HK$1,377/mo
Today · 4.125%
HK$53,339
baseline
▲ 0.50% · 4.625%
HK$56,150
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,678/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,484
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,303
−HK$1,849/mo
Today · 4.125%
HK$62,152
baseline
▲ 0.50% · 4.625%
HK$65,933
+HK$3,781/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,304/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,063
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,808
−HK$1,770/mo
Today · 4.125%
HK$68,578
baseline
▲ 0.50% · 4.625%
HK$72,193
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,156/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,335 · Scale 2, in force from 26 Feb 2026)