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$32,475
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,485
−HK$1,027/mo
Today · 4.125%
HK$34,512
baseline
▲ 0.50% · 4.625%
HK$36,612
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,024/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,128
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,097
−HK$983/mo
Today · 4.125%
HK$38,080
baseline
▲ 0.50% · 4.625%
HK$40,088
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,160/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,970
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,183
−HK$1,231/mo
Today · 4.125%
HK$41,414
baseline
▲ 0.50% · 4.625%
HK$43,934
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,828/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,354
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,517
−HK$1,179/mo
Today · 4.125%
HK$45,696
baseline
▲ 0.50% · 4.625%
HK$48,105
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,392/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,465
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,880
−HK$1,436/mo
Today · 4.125%
HK$48,316
baseline
▲ 0.50% · 4.625%
HK$51,256
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,632/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,580
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,936
−HK$1,376/mo
Today · 4.125%
HK$53,312
baseline
▲ 0.50% · 4.625%
HK$56,123
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,624/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,456
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,274
−HK$1,847/mo
Today · 4.125%
HK$62,121
baseline
▲ 0.50% · 4.625%
HK$65,901
+HK$3,780/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,242/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,031
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,775
−HK$1,770/mo
Today · 4.125%
HK$68,545
baseline
▲ 0.50% · 4.625%
HK$72,158
+HK$3,613/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,090/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,074 · Scale 2, in force from 26 Feb 2026)