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$32,486
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,497
−HK$1,027/mo
Today · 4.125%
HK$34,524
baseline
▲ 0.50% · 4.625%
HK$36,624
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,048/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,141
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$983/mo
Today · 4.125%
HK$38,093
baseline
▲ 0.50% · 4.625%
HK$40,101
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,186/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,984
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,196
−HK$1,232/mo
Today · 4.125%
HK$41,428
baseline
▲ 0.50% · 4.625%
HK$43,949
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,856/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,369
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,532
−HK$1,180/mo
Today · 4.125%
HK$45,712
baseline
▲ 0.50% · 4.625%
HK$48,122
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,424/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,481
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,896
−HK$1,437/mo
Today · 4.125%
HK$48,333
baseline
▲ 0.50% · 4.625%
HK$51,274
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,666/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,597
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,954
−HK$1,377/mo
Today · 4.125%
HK$53,331
baseline
▲ 0.50% · 4.625%
HK$56,142
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,662/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,476
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,295
−HK$1,848/mo
Today · 4.125%
HK$62,143
baseline
▲ 0.50% · 4.625%
HK$65,924
+HK$3,781/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,286/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,054
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,798
−HK$1,770/mo
Today · 4.125%
HK$68,568
baseline
▲ 0.50% · 4.625%
HK$72,182
+HK$3,614/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,136/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,257 · Scale 2, in force from 26 Feb 2026)