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$32,484
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,495
−HK$1,026/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,622
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,139
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,108
−HK$983/mo
Today · 4.125%
HK$38,091
baseline
▲ 0.50% · 4.625%
HK$40,099
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,182/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,981
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,194
−HK$1,232/mo
Today · 4.125%
HK$41,426
baseline
▲ 0.50% · 4.625%
HK$43,946
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,852/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,366
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,529
−HK$1,180/mo
Today · 4.125%
HK$45,709
baseline
▲ 0.50% · 4.625%
HK$48,119
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,418/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,478
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,893
−HK$1,437/mo
Today · 4.125%
HK$48,330
baseline
▲ 0.50% · 4.625%
HK$51,271
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,660/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,594
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,951
−HK$1,376/mo
Today · 4.125%
HK$53,327
baseline
▲ 0.50% · 4.625%
HK$56,138
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,654/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,472
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,291
−HK$1,848/mo
Today · 4.125%
HK$62,139
baseline
▲ 0.50% · 4.625%
HK$65,920
+HK$3,781/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,278/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,049
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,794
−HK$1,770/mo
Today · 4.125%
HK$68,564
baseline
▲ 0.50% · 4.625%
HK$72,178
+HK$3,614/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,128/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,222 · Scale 2, in force from 26 Feb 2026)