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$32,460
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,470
−HK$1,025/mo
Today · 4.125%
HK$34,495
baseline
▲ 0.50% · 4.625%
HK$36,594
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,990/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,111
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$982/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,069
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,124/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,952
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,163
−HK$1,231/mo
Today · 4.125%
HK$41,394
baseline
▲ 0.50% · 4.625%
HK$43,913
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,788/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,333
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,179/mo
Today · 4.125%
HK$45,675
baseline
▲ 0.50% · 4.625%
HK$48,082
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,350/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,444
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,857
−HK$1,437/mo
Today · 4.125%
HK$48,294
baseline
▲ 0.50% · 4.625%
HK$51,232
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,588/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,556
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,912
−HK$1,375/mo
Today · 4.125%
HK$53,287
baseline
▲ 0.50% · 4.625%
HK$56,096
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,574/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,428
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,245
−HK$1,847/mo
Today · 4.125%
HK$62,092
baseline
▲ 0.50% · 4.625%
HK$65,870
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,184/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,000
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,744
−HK$1,768/mo
Today · 4.125%
HK$68,512
baseline
▲ 0.50% · 4.625%
HK$72,123
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,024/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,819 · Scale 2, in force from 26 Feb 2026)