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$32,466
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,476
−HK$1,026/mo
Today · 4.125%
HK$34,502
baseline
▲ 0.50% · 4.625%
HK$36,601
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,004/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,118
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$983/mo
Today · 4.125%
HK$38,069
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,138/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,959
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,171
−HK$1,231/mo
Today · 4.125%
HK$41,402
baseline
▲ 0.50% · 4.625%
HK$43,921
+HK$2,519/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,804/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,341
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,504
−HK$1,179/mo
Today · 4.125%
HK$45,683
baseline
▲ 0.50% · 4.625%
HK$48,091
+HK$2,408/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,366/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,452
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,866
−HK$1,436/mo
Today · 4.125%
HK$48,302
baseline
▲ 0.50% · 4.625%
HK$51,241
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,604/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,565
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,921
−HK$1,376/mo
Today · 4.125%
HK$53,297
baseline
▲ 0.50% · 4.625%
HK$56,106
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,594/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,438
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,256
−HK$1,847/mo
Today · 4.125%
HK$62,103
baseline
▲ 0.50% · 4.625%
HK$65,882
+HK$3,779/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,206/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,012
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,756
−HK$1,768/mo
Today · 4.125%
HK$68,524
baseline
▲ 0.50% · 4.625%
HK$72,136
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,048/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,916 · Scale 2, in force from 26 Feb 2026)