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$32,461
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,471
−HK$1,026/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,596
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,113
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,081
−HK$983/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,070
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,953
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,165
−HK$1,231/mo
Today · 4.125%
HK$41,396
baseline
▲ 0.50% · 4.625%
HK$43,915
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,792/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,335
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,497
−HK$1,179/mo
Today · 4.125%
HK$45,676
baseline
▲ 0.50% · 4.625%
HK$48,084
+HK$2,408/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,352/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,445
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,859
−HK$1,436/mo
Today · 4.125%
HK$48,295
baseline
▲ 0.50% · 4.625%
HK$51,234
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,590/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,558
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,913
−HK$1,376/mo
Today · 4.125%
HK$53,289
baseline
▲ 0.50% · 4.625%
HK$56,098
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,578/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,430
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,247
−HK$1,847/mo
Today · 4.125%
HK$62,094
baseline
▲ 0.50% · 4.625%
HK$65,872
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,188/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,003
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,746
−HK$1,768/mo
Today · 4.125%
HK$68,514
baseline
▲ 0.50% · 4.625%
HK$72,126
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,028/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,839 · Scale 2, in force from 26 Feb 2026)