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$32,450
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,459
−HK$1,026/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,583
+HK$2,098/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,100
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,069
−HK$982/mo
Today · 4.125%
HK$38,051
baseline
▲ 0.50% · 4.625%
HK$40,056
+HK$2,005/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,102/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,940
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,151
−HK$1,231/mo
Today · 4.125%
HK$41,382
baseline
▲ 0.50% · 4.625%
HK$43,900
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,764/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,320
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,482
−HK$1,179/mo
Today · 4.125%
HK$45,661
baseline
▲ 0.50% · 4.625%
HK$48,068
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,322/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,430
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,843
−HK$1,436/mo
Today · 4.125%
HK$48,279
baseline
▲ 0.50% · 4.625%
HK$51,217
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,558/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,540
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,896
−HK$1,375/mo
Today · 4.125%
HK$53,271
baseline
▲ 0.50% · 4.625%
HK$56,079
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,542/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,410
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,227
−HK$1,846/mo
Today · 4.125%
HK$62,073
baseline
▲ 0.50% · 4.625%
HK$65,850
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,146/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,981
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,723
−HK$1,768/mo
Today · 4.125%
HK$68,491
baseline
▲ 0.50% · 4.625%
HK$72,102
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,982/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,658 · Scale 2, in force from 26 Feb 2026)