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$32,493
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$1,027/mo
Today · 4.125%
HK$34,530
baseline
▲ 0.50% · 4.625%
HK$36,631
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,060/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,148
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$984/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,109
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,991
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,204
−HK$1,232/mo
Today · 4.125%
HK$41,436
baseline
▲ 0.50% · 4.625%
HK$43,958
+HK$2,522/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,872/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,377
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,541
−HK$1,180/mo
Today · 4.125%
HK$45,721
baseline
▲ 0.50% · 4.625%
HK$48,131
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,442/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,490
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,905
−HK$1,437/mo
Today · 4.125%
HK$48,342
baseline
▲ 0.50% · 4.625%
HK$51,284
+HK$2,942/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,684/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,607
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,964
−HK$1,377/mo
Today · 4.125%
HK$53,341
baseline
▲ 0.50% · 4.625%
HK$56,153
+HK$2,812/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,682/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,487
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,306
−HK$1,848/mo
Today · 4.125%
HK$62,154
baseline
▲ 0.50% · 4.625%
HK$65,936
+HK$3,782/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,308/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,066
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,811
−HK$1,770/mo
Today · 4.125%
HK$68,581
baseline
▲ 0.50% · 4.625%
HK$72,196
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,162/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,359 · Scale 2, in force from 26 Feb 2026)