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$32,483
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$1,026/mo
Today · 4.125%
HK$34,520
baseline
▲ 0.50% · 4.625%
HK$36,621
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,040/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,138
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,107
−HK$983/mo
Today · 4.125%
HK$38,090
baseline
▲ 0.50% · 4.625%
HK$40,098
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,180/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,980
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,193
−HK$1,232/mo
Today · 4.125%
HK$41,425
baseline
▲ 0.50% · 4.625%
HK$43,945
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,850/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,365
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,528
−HK$1,180/mo
Today · 4.125%
HK$45,708
baseline
▲ 0.50% · 4.625%
HK$48,117
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,416/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,477
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,891
−HK$1,438/mo
Today · 4.125%
HK$48,329
baseline
▲ 0.50% · 4.625%
HK$51,269
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,658/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,593
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,949
−HK$1,377/mo
Today · 4.125%
HK$53,326
baseline
▲ 0.50% · 4.625%
HK$56,137
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,652/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,470
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,289
−HK$1,848/mo
Today · 4.125%
HK$62,137
baseline
▲ 0.50% · 4.625%
HK$65,918
+HK$3,781/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,274/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,048
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,792
−HK$1,770/mo
Today · 4.125%
HK$68,562
baseline
▲ 0.50% · 4.625%
HK$72,176
+HK$3,614/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,124/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,208 · Scale 2, in force from 26 Feb 2026)