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$32,451
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,461
−HK$1,025/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,585
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,102
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,070
−HK$982/mo
Today · 4.125%
HK$38,052
baseline
▲ 0.50% · 4.625%
HK$40,058
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,104/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,942
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,153
−HK$1,231/mo
Today · 4.125%
HK$41,384
baseline
▲ 0.50% · 4.625%
HK$43,902
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,768/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,322
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,484
−HK$1,179/mo
Today · 4.125%
HK$45,663
baseline
▲ 0.50% · 4.625%
HK$48,070
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,326/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,432
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,845
−HK$1,436/mo
Today · 4.125%
HK$48,281
baseline
▲ 0.50% · 4.625%
HK$51,219
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,562/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,542
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,898
−HK$1,375/mo
Today · 4.125%
HK$53,273
baseline
▲ 0.50% · 4.625%
HK$56,081
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,546/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,412
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,229
−HK$1,846/mo
Today · 4.125%
HK$62,075
baseline
▲ 0.50% · 4.625%
HK$65,852
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,150/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,983
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,726
−HK$1,768/mo
Today · 4.125%
HK$68,494
baseline
▲ 0.50% · 4.625%
HK$72,104
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,988/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,679 · Scale 2, in force from 26 Feb 2026)