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$32,467
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,477
−HK$1,026/mo
Today · 4.125%
HK$34,503
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,006/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,088
−HK$983/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,077
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,960
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,172
−HK$1,232/mo
Today · 4.125%
HK$41,404
baseline
▲ 0.50% · 4.625%
HK$43,923
+HK$2,519/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,808/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,343
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,505
−HK$1,180/mo
Today · 4.125%
HK$45,685
baseline
▲ 0.50% · 4.625%
HK$48,093
+HK$2,408/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,370/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,454
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,868
−HK$1,436/mo
Today · 4.125%
HK$48,304
baseline
▲ 0.50% · 4.625%
HK$51,243
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,608/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,567
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,923
−HK$1,376/mo
Today · 4.125%
HK$53,299
baseline
▲ 0.50% · 4.625%
HK$56,108
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,598/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,441
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,258
−HK$1,847/mo
Today · 4.125%
HK$62,105
baseline
▲ 0.50% · 4.625%
HK$65,884
+HK$3,779/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,210/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,015
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,758
−HK$1,769/mo
Today · 4.125%
HK$68,527
baseline
▲ 0.50% · 4.625%
HK$72,139
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,054/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,937 · Scale 2, in force from 26 Feb 2026)