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$32,490
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$1,027/mo
Today · 4.125%
HK$34,528
baseline
▲ 0.50% · 4.625%
HK$36,628
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,056/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,145
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,114
−HK$984/mo
Today · 4.125%
HK$38,098
baseline
▲ 0.50% · 4.625%
HK$40,106
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,196/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,988
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,232/mo
Today · 4.125%
HK$41,433
baseline
▲ 0.50% · 4.625%
HK$43,954
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,866/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,374
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,537
−HK$1,180/mo
Today · 4.125%
HK$45,717
baseline
▲ 0.50% · 4.625%
HK$48,127
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,434/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,486
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,901
−HK$1,438/mo
Today · 4.125%
HK$48,339
baseline
▲ 0.50% · 4.625%
HK$51,280
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,678/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,603
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,960
−HK$1,377/mo
Today · 4.125%
HK$53,337
baseline
▲ 0.50% · 4.625%
HK$56,148
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,674/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,482
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,301
−HK$1,849/mo
Today · 4.125%
HK$62,150
baseline
▲ 0.50% · 4.625%
HK$65,931
+HK$3,781/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,300/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,061
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,806
−HK$1,770/mo
Today · 4.125%
HK$68,576
baseline
▲ 0.50% · 4.625%
HK$72,191
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,152/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,318 · Scale 2, in force from 26 Feb 2026)