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$32,451
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,460
−HK$1,026/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,584
+HK$2,098/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,101
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,070
−HK$982/mo
Today · 4.125%
HK$38,052
baseline
▲ 0.50% · 4.625%
HK$40,058
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,104/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,941
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,153
−HK$1,230/mo
Today · 4.125%
HK$41,383
baseline
▲ 0.50% · 4.625%
HK$43,901
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,766/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,322
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,484
−HK$1,178/mo
Today · 4.125%
HK$45,662
baseline
▲ 0.50% · 4.625%
HK$48,069
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,324/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,431
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,845
−HK$1,435/mo
Today · 4.125%
HK$48,280
baseline
▲ 0.50% · 4.625%
HK$51,218
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,560/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,542
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,898
−HK$1,375/mo
Today · 4.125%
HK$53,273
baseline
▲ 0.50% · 4.625%
HK$56,081
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,546/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,412
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,229
−HK$1,846/mo
Today · 4.125%
HK$62,075
baseline
▲ 0.50% · 4.625%
HK$65,852
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,150/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,983
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,725
−HK$1,768/mo
Today · 4.125%
HK$68,493
baseline
▲ 0.50% · 4.625%
HK$72,104
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,986/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,674 · Scale 2, in force from 26 Feb 2026)