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$32,464
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$1,026/mo
Today · 4.125%
HK$34,500
baseline
▲ 0.50% · 4.625%
HK$36,599
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,000/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,116
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,085
−HK$982/mo
Today · 4.125%
HK$38,067
baseline
▲ 0.50% · 4.625%
HK$40,074
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,134/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,957
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,169
−HK$1,231/mo
Today · 4.125%
HK$41,400
baseline
▲ 0.50% · 4.625%
HK$43,919
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,800/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,339
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,502
−HK$1,179/mo
Today · 4.125%
HK$45,681
baseline
▲ 0.50% · 4.625%
HK$48,089
+HK$2,408/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,362/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,450
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,864
−HK$1,436/mo
Today · 4.125%
HK$48,300
baseline
▲ 0.50% · 4.625%
HK$51,239
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,600/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,563
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,919
−HK$1,375/mo
Today · 4.125%
HK$53,294
baseline
▲ 0.50% · 4.625%
HK$56,104
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,588/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,436
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,253
−HK$1,847/mo
Today · 4.125%
HK$62,100
baseline
▲ 0.50% · 4.625%
HK$65,879
+HK$3,779/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,200/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,009
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,753
−HK$1,768/mo
Today · 4.125%
HK$68,521
baseline
▲ 0.50% · 4.625%
HK$72,133
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,042/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,893 · Scale 2, in force from 26 Feb 2026)