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$32,456
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,466
−HK$1,025/mo
Today · 4.125%
HK$34,491
baseline
▲ 0.50% · 4.625%
HK$36,590
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,982/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,107
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,075
−HK$983/mo
Today · 4.125%
HK$38,058
baseline
▲ 0.50% · 4.625%
HK$40,064
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,116/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,947
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,159
−HK$1,231/mo
Today · 4.125%
HK$41,390
baseline
▲ 0.50% · 4.625%
HK$43,908
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,780/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,491
−HK$1,178/mo
Today · 4.125%
HK$45,669
baseline
▲ 0.50% · 4.625%
HK$48,077
+HK$2,408/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,338/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,439
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,852
−HK$1,436/mo
Today · 4.125%
HK$48,288
baseline
▲ 0.50% · 4.625%
HK$51,226
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,576/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,550
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,906
−HK$1,375/mo
Today · 4.125%
HK$53,281
baseline
▲ 0.50% · 4.625%
HK$56,089
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,562/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,421
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,846/mo
Today · 4.125%
HK$62,084
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,168/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,736
−HK$1,768/mo
Today · 4.125%
HK$68,504
baseline
▲ 0.50% · 4.625%
HK$72,115
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,008/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,758 · Scale 2, in force from 26 Feb 2026)