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$32,452
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,462
−HK$1,025/mo
Today · 4.125%
HK$34,487
baseline
▲ 0.50% · 4.625%
HK$36,586
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,974/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,103
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,071
−HK$982/mo
Today · 4.125%
HK$38,053
baseline
▲ 0.50% · 4.625%
HK$40,059
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,106/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,943
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,154
−HK$1,231/mo
Today · 4.125%
HK$41,385
baseline
▲ 0.50% · 4.625%
HK$43,903
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,770/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,323
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,485
−HK$1,179/mo
Today · 4.125%
HK$45,664
baseline
▲ 0.50% · 4.625%
HK$48,071
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,328/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,433
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,846
−HK$1,436/mo
Today · 4.125%
HK$48,282
baseline
▲ 0.50% · 4.625%
HK$51,220
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,564/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,544
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,899
−HK$1,375/mo
Today · 4.125%
HK$53,274
baseline
▲ 0.50% · 4.625%
HK$56,083
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,548/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,414
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,231
−HK$1,846/mo
Today · 4.125%
HK$62,077
baseline
▲ 0.50% · 4.625%
HK$65,854
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,154/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,985
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,728
−HK$1,768/mo
Today · 4.125%
HK$68,496
baseline
▲ 0.50% · 4.625%
HK$72,106
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,992/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,692 · Scale 2, in force from 26 Feb 2026)