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$32,459
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,468
−HK$1,026/mo
Today · 4.125%
HK$34,494
baseline
▲ 0.50% · 4.625%
HK$36,593
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,988/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,110
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,079
−HK$982/mo
Today · 4.125%
HK$38,061
baseline
▲ 0.50% · 4.625%
HK$40,067
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,122/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,951
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,162
−HK$1,231/mo
Today · 4.125%
HK$41,393
baseline
▲ 0.50% · 4.625%
HK$43,912
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,786/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,332
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,494
−HK$1,179/mo
Today · 4.125%
HK$45,673
baseline
▲ 0.50% · 4.625%
HK$48,081
+HK$2,408/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,346/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,442
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,856
−HK$1,436/mo
Today · 4.125%
HK$48,292
baseline
▲ 0.50% · 4.625%
HK$51,230
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,584/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,554
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,910
−HK$1,375/mo
Today · 4.125%
HK$53,285
baseline
▲ 0.50% · 4.625%
HK$56,094
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,570/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,426
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,243
−HK$1,847/mo
Today · 4.125%
HK$62,090
baseline
▲ 0.50% · 4.625%
HK$65,868
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,180/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,998
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,741
−HK$1,769/mo
Today · 4.125%
HK$68,510
baseline
▲ 0.50% · 4.625%
HK$72,121
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,020/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,803 · Scale 2, in force from 26 Feb 2026)