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$32,487
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,498
−HK$1,027/mo
Today · 4.125%
HK$34,525
baseline
▲ 0.50% · 4.625%
HK$36,625
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,050/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,142
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,111
−HK$984/mo
Today · 4.125%
HK$38,095
baseline
▲ 0.50% · 4.625%
HK$40,103
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,190/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,985
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,198
−HK$1,232/mo
Today · 4.125%
HK$41,430
baseline
▲ 0.50% · 4.625%
HK$43,951
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,860/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,370
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,534
−HK$1,180/mo
Today · 4.125%
HK$45,714
baseline
▲ 0.50% · 4.625%
HK$48,123
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,428/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,482
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,897
−HK$1,438/mo
Today · 4.125%
HK$48,335
baseline
▲ 0.50% · 4.625%
HK$51,276
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,670/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,599
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,956
−HK$1,376/mo
Today · 4.125%
HK$53,332
baseline
▲ 0.50% · 4.625%
HK$56,144
+HK$2,812/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,664/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,477
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,296
−HK$1,848/mo
Today · 4.125%
HK$62,144
baseline
▲ 0.50% · 4.625%
HK$65,926
+HK$3,782/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,288/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,056
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,800
−HK$1,770/mo
Today · 4.125%
HK$68,570
baseline
▲ 0.50% · 4.625%
HK$72,185
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,140/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,274 · Scale 2, in force from 26 Feb 2026)