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$32,479
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,489
−HK$1,026/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,616
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,132
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$983/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,092
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,975
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,187
−HK$1,232/mo
Today · 4.125%
HK$41,419
baseline
▲ 0.50% · 4.625%
HK$43,939
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,838/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,359
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,522
−HK$1,179/mo
Today · 4.125%
HK$45,701
baseline
▲ 0.50% · 4.625%
HK$48,110
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,402/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,470
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,885
−HK$1,437/mo
Today · 4.125%
HK$48,322
baseline
▲ 0.50% · 4.625%
HK$51,262
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,644/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,585
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,942
−HK$1,376/mo
Today · 4.125%
HK$53,318
baseline
▲ 0.50% · 4.625%
HK$56,129
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,636/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,462
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,280
−HK$1,848/mo
Today · 4.125%
HK$62,128
baseline
▲ 0.50% · 4.625%
HK$65,908
+HK$3,780/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,256/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,038
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,782
−HK$1,770/mo
Today · 4.125%
HK$68,552
baseline
▲ 0.50% · 4.625%
HK$72,165
+HK$3,613/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,104/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,131 · Scale 2, in force from 26 Feb 2026)