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$32,489
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,500
−HK$1,027/mo
Today · 4.125%
HK$34,527
baseline
▲ 0.50% · 4.625%
HK$36,628
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,054/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,144
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,114
−HK$983/mo
Today · 4.125%
HK$38,097
baseline
▲ 0.50% · 4.625%
HK$40,105
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,194/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,987
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,200
−HK$1,232/mo
Today · 4.125%
HK$41,432
baseline
▲ 0.50% · 4.625%
HK$43,953
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,864/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,373
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,536
−HK$1,180/mo
Today · 4.125%
HK$45,716
baseline
▲ 0.50% · 4.625%
HK$48,126
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,432/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,485
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,900
−HK$1,438/mo
Today · 4.125%
HK$48,338
baseline
▲ 0.50% · 4.625%
HK$51,279
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,676/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,602
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,959
−HK$1,377/mo
Today · 4.125%
HK$53,336
baseline
▲ 0.50% · 4.625%
HK$56,147
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,672/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,481
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,300
−HK$1,848/mo
Today · 4.125%
HK$62,148
baseline
▲ 0.50% · 4.625%
HK$65,930
+HK$3,782/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,296/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,060
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,804
−HK$1,770/mo
Today · 4.125%
HK$68,574
baseline
▲ 0.50% · 4.625%
HK$72,189
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,148/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,306 · Scale 2, in force from 26 Feb 2026)