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$32,477
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,487
−HK$1,026/mo
Today · 4.125%
HK$34,513
baseline
▲ 0.50% · 4.625%
HK$36,613
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,026/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,130
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,099
−HK$983/mo
Today · 4.125%
HK$38,082
baseline
▲ 0.50% · 4.625%
HK$40,089
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,164/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,972
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,184
−HK$1,232/mo
Today · 4.125%
HK$41,416
baseline
▲ 0.50% · 4.625%
HK$43,936
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,832/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,356
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,519
−HK$1,179/mo
Today · 4.125%
HK$45,698
baseline
▲ 0.50% · 4.625%
HK$48,107
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,396/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,467
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,881
−HK$1,437/mo
Today · 4.125%
HK$48,318
baseline
▲ 0.50% · 4.625%
HK$51,258
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,636/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,582
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,938
−HK$1,376/mo
Today · 4.125%
HK$53,314
baseline
▲ 0.50% · 4.625%
HK$56,125
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,628/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,458
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,276
−HK$1,848/mo
Today · 4.125%
HK$62,124
baseline
▲ 0.50% · 4.625%
HK$65,904
+HK$3,780/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,248/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,034
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,778
−HK$1,769/mo
Today · 4.125%
HK$68,547
baseline
▲ 0.50% · 4.625%
HK$72,160
+HK$3,613/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,094/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,094 · Scale 2, in force from 26 Feb 2026)