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$32,455
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,465
−HK$1,025/mo
Today · 4.125%
HK$34,490
baseline
▲ 0.50% · 4.625%
HK$36,589
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,980/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,106
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,074
−HK$983/mo
Today · 4.125%
HK$38,057
baseline
▲ 0.50% · 4.625%
HK$40,063
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,114/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,946
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,158
−HK$1,230/mo
Today · 4.125%
HK$41,388
baseline
▲ 0.50% · 4.625%
HK$43,907
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,776/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,327
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,489
−HK$1,179/mo
Today · 4.125%
HK$45,668
baseline
▲ 0.50% · 4.625%
HK$48,075
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,336/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,437
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,850
−HK$1,436/mo
Today · 4.125%
HK$48,286
baseline
▲ 0.50% · 4.625%
HK$51,225
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,572/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,548
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,904
−HK$1,375/mo
Today · 4.125%
HK$53,279
baseline
▲ 0.50% · 4.625%
HK$56,088
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,558/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,419
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,236
−HK$1,847/mo
Today · 4.125%
HK$62,083
baseline
▲ 0.50% · 4.625%
HK$65,860
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,166/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,991
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,734
−HK$1,768/mo
Today · 4.125%
HK$68,502
baseline
▲ 0.50% · 4.625%
HK$72,113
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,004/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,741 · Scale 2, in force from 26 Feb 2026)