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$32,468
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,478
−HK$1,026/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,603
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,008/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,120
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,089
−HK$982/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,078
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,961
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,173
−HK$1,231/mo
Today · 4.125%
HK$41,404
baseline
▲ 0.50% · 4.625%
HK$43,924
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,808/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,344
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,506
−HK$1,180/mo
Today · 4.125%
HK$45,686
baseline
▲ 0.50% · 4.625%
HK$48,094
+HK$2,408/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,372/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,455
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,869
−HK$1,436/mo
Today · 4.125%
HK$48,305
baseline
▲ 0.50% · 4.625%
HK$51,245
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,610/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,568
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,924
−HK$1,376/mo
Today · 4.125%
HK$53,300
baseline
▲ 0.50% · 4.625%
HK$56,110
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,600/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,442
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,260
−HK$1,847/mo
Today · 4.125%
HK$62,107
baseline
▲ 0.50% · 4.625%
HK$65,886
+HK$3,779/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,214/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,016
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,760
−HK$1,769/mo
Today · 4.125%
HK$68,529
baseline
▲ 0.50% · 4.625%
HK$72,141
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,058/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,949 · Scale 2, in force from 26 Feb 2026)