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$32,477
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,488
−HK$1,026/mo
Today · 4.125%
HK$34,514
baseline
▲ 0.50% · 4.625%
HK$36,614
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,028/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,131
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,100
−HK$983/mo
Today · 4.125%
HK$38,083
baseline
▲ 0.50% · 4.625%
HK$40,090
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,166/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,973
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,185
−HK$1,232/mo
Today · 4.125%
HK$41,417
baseline
▲ 0.50% · 4.625%
HK$43,937
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,834/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,357
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,520
−HK$1,179/mo
Today · 4.125%
HK$45,699
baseline
▲ 0.50% · 4.625%
HK$48,108
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,398/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,468
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,883
−HK$1,436/mo
Today · 4.125%
HK$48,319
baseline
▲ 0.50% · 4.625%
HK$51,260
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,638/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,583
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,940
−HK$1,376/mo
Today · 4.125%
HK$53,316
baseline
▲ 0.50% · 4.625%
HK$56,126
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,632/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,459
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,278
−HK$1,847/mo
Today · 4.125%
HK$62,125
baseline
▲ 0.50% · 4.625%
HK$65,905
+HK$3,780/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,250/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,035
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,779
−HK$1,770/mo
Today · 4.125%
HK$68,549
baseline
▲ 0.50% · 4.625%
HK$72,162
+HK$3,613/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,098/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,107 · Scale 2, in force from 26 Feb 2026)