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$32,471
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,481
−HK$1,027/mo
Today · 4.125%
HK$34,508
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,016/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$534,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,124
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,093
−HK$983/mo
Today · 4.125%
HK$38,076
baseline
▲ 0.50% · 4.625%
HK$40,083
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,152/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$534,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,966
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,178
−HK$1,231/mo
Today · 4.125%
HK$41,409
baseline
▲ 0.50% · 4.625%
HK$43,929
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,818/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,349
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,512
−HK$1,179/mo
Today · 4.125%
HK$45,691
baseline
▲ 0.50% · 4.625%
HK$48,099
+HK$2,408/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,382/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,460
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,874
−HK$1,437/mo
Today · 4.125%
HK$48,311
baseline
▲ 0.50% · 4.625%
HK$51,250
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,622/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,574
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,930
−HK$1,376/mo
Today · 4.125%
HK$53,306
baseline
▲ 0.50% · 4.625%
HK$56,116
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,612/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,449
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,267
−HK$1,847/mo
Today · 4.125%
HK$62,114
baseline
▲ 0.50% · 4.625%
HK$65,893
+HK$3,779/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,228/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,023
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,767
−HK$1,769/mo
Today · 4.125%
HK$68,536
baseline
▲ 0.50% · 4.625%
HK$72,149
+HK$3,613/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,072/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,009 · Scale 2, in force from 26 Feb 2026)