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$32,453
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$1,026/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,587
+HK$2,098/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,104
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,072
−HK$983/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,061
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,944
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,156
−HK$1,230/mo
Today · 4.125%
HK$41,386
baseline
▲ 0.50% · 4.625%
HK$43,905
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,772/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,325
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,487
−HK$1,179/mo
Today · 4.125%
HK$45,666
baseline
▲ 0.50% · 4.625%
HK$48,073
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,332/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,435
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,848
−HK$1,436/mo
Today · 4.125%
HK$48,284
baseline
▲ 0.50% · 4.625%
HK$51,222
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,568/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,546
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,901
−HK$1,376/mo
Today · 4.125%
HK$53,277
baseline
▲ 0.50% · 4.625%
HK$56,085
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,554/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,416
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,233
−HK$1,846/mo
Today · 4.125%
HK$62,079
baseline
▲ 0.50% · 4.625%
HK$65,857
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,158/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,987
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,730
−HK$1,769/mo
Today · 4.125%
HK$68,499
baseline
▲ 0.50% · 4.625%
HK$72,109
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,998/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,714 · Scale 2, in force from 26 Feb 2026)