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$2,036/mo
▼ 0.25% · 3.875%
HK$33,481
−HK$1,026/mo
Today · 4.125%
HK$34,507
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,014/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,123
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,092
−HK$983/mo
Today · 4.125%
HK$38,075
baseline
▲ 0.50% · 4.625%
HK$40,082
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,150/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,965
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,177
−HK$1,231/mo
Today · 4.125%
HK$41,408
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,816/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,348
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,511
−HK$1,179/mo
Today · 4.125%
HK$45,690
baseline
▲ 0.50% · 4.625%
HK$48,098
+HK$2,408/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,380/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,459
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,873
−HK$1,437/mo
Today · 4.125%
HK$48,310
baseline
▲ 0.50% · 4.625%
HK$51,249
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,620/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,573
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,929
−HK$1,376/mo
Today · 4.125%
HK$53,305
baseline
▲ 0.50% · 4.625%
HK$56,115
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,610/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,447
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,265
−HK$1,847/mo
Today · 4.125%
HK$62,112
baseline
▲ 0.50% · 4.625%
HK$65,892
+HK$3,780/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,224/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,022
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,766
−HK$1,769/mo
Today · 4.125%
HK$68,535
baseline
▲ 0.50% · 4.625%
HK$72,147
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,070/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,997 · Scale 2, in force from 26 Feb 2026)