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$32,473
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,483
−HK$1,026/mo
Today · 4.125%
HK$34,509
baseline
▲ 0.50% · 4.625%
HK$36,609
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,018/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$534,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,126
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,095
−HK$983/mo
Today · 4.125%
HK$38,078
baseline
▲ 0.50% · 4.625%
HK$40,085
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,156/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$534,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,967
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,180
−HK$1,231/mo
Today · 4.125%
HK$41,411
baseline
▲ 0.50% · 4.625%
HK$43,931
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,822/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,351
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,514
−HK$1,179/mo
Today · 4.125%
HK$45,693
baseline
▲ 0.50% · 4.625%
HK$48,102
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,386/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,462
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,876
−HK$1,437/mo
Today · 4.125%
HK$48,313
baseline
▲ 0.50% · 4.625%
HK$51,253
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,626/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,576
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,933
−HK$1,376/mo
Today · 4.125%
HK$53,309
baseline
▲ 0.50% · 4.625%
HK$56,119
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,618/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,451
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,269
−HK$1,848/mo
Today · 4.125%
HK$62,117
baseline
▲ 0.50% · 4.625%
HK$65,896
+HK$3,779/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,234/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,026
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,770
−HK$1,770/mo
Today · 4.125%
HK$68,540
baseline
▲ 0.50% · 4.625%
HK$72,152
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,080/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,034 · Scale 2, in force from 26 Feb 2026)