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$32,459
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,469
−HK$1,026/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$533,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,111
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,079
−HK$983/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,068
+HK$2,006/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$533,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,951
−HK$2,443/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$533,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,333
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,495
−HK$1,179/mo
Today · 4.125%
HK$45,674
baseline
▲ 0.50% · 4.625%
HK$48,082
+HK$2,408/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,348/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,443
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,857
−HK$1,436/mo
Today · 4.125%
HK$48,293
baseline
▲ 0.50% · 4.625%
HK$51,231
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,586/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,555
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,911
−HK$1,375/mo
Today · 4.125%
HK$53,286
baseline
▲ 0.50% · 4.625%
HK$56,095
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,572/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,427
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,244
−HK$1,847/mo
Today · 4.125%
HK$62,091
baseline
▲ 0.50% · 4.625%
HK$65,869
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,182/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,999
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,743
−HK$1,768/mo
Today · 4.125%
HK$68,511
baseline
▲ 0.50% · 4.625%
HK$72,122
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,022/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,811 · Scale 2, in force from 26 Feb 2026)