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$32,483
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,493
−HK$1,027/mo
Today · 4.125%
HK$34,520
baseline
▲ 0.50% · 4.625%
HK$36,620
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,040/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,137
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,106
−HK$983/mo
Today · 4.125%
HK$38,089
baseline
▲ 0.50% · 4.625%
HK$40,097
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,178/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,979
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,192
−HK$1,232/mo
Today · 4.125%
HK$41,424
baseline
▲ 0.50% · 4.625%
HK$43,944
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,848/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,364
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,527
−HK$1,180/mo
Today · 4.125%
HK$45,707
baseline
▲ 0.50% · 4.625%
HK$48,116
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,414/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,476
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,890
−HK$1,438/mo
Today · 4.125%
HK$48,328
baseline
▲ 0.50% · 4.625%
HK$51,268
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,656/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,591
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,948
−HK$1,377/mo
Today · 4.125%
HK$53,325
baseline
▲ 0.50% · 4.625%
HK$56,136
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,650/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,469
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,288
−HK$1,847/mo
Today · 4.125%
HK$62,135
baseline
▲ 0.50% · 4.625%
HK$65,916
+HK$3,781/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,270/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,046
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,791
−HK$1,769/mo
Today · 4.125%
HK$68,560
baseline
▲ 0.50% · 4.625%
HK$72,174
+HK$3,614/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,120/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,196 · Scale 2, in force from 26 Feb 2026)