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$32,458
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,468
−HK$1,025/mo
Today · 4.125%
HK$34,493
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,986/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,109
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,078
−HK$982/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,066
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,950
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,231/mo
Today · 4.125%
HK$41,392
baseline
▲ 0.50% · 4.625%
HK$43,911
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,784/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,493
−HK$1,179/mo
Today · 4.125%
HK$45,672
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,344/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,441
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,855
−HK$1,436/mo
Today · 4.125%
HK$48,291
baseline
▲ 0.50% · 4.625%
HK$51,229
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,582/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,553
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,909
−HK$1,375/mo
Today · 4.125%
HK$53,284
baseline
▲ 0.50% · 4.625%
HK$56,093
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,568/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,424
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,242
−HK$1,846/mo
Today · 4.125%
HK$62,088
baseline
▲ 0.50% · 4.625%
HK$65,866
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,176/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,996
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,740
−HK$1,768/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,119
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,788 · Scale 2, in force from 26 Feb 2026)