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$32,494
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,504
−HK$1,027/mo
Today · 4.125%
HK$34,531
baseline
▲ 0.50% · 4.625%
HK$36,632
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,062/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,149
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,118
−HK$984/mo
Today · 4.125%
HK$38,102
baseline
▲ 0.50% · 4.625%
HK$40,110
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,204/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,992
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,205
−HK$1,233/mo
Today · 4.125%
HK$41,438
baseline
▲ 0.50% · 4.625%
HK$43,959
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,876/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,379
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,542
−HK$1,180/mo
Today · 4.125%
HK$45,722
baseline
▲ 0.50% · 4.625%
HK$48,132
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,444/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,491
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,906
−HK$1,438/mo
Today · 4.125%
HK$48,344
baseline
▲ 0.50% · 4.625%
HK$51,285
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,688/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,608
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,966
−HK$1,377/mo
Today · 4.125%
HK$53,343
baseline
▲ 0.50% · 4.625%
HK$56,154
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,686/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,489
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,308
−HK$1,848/mo
Today · 4.125%
HK$62,156
baseline
▲ 0.50% · 4.625%
HK$65,938
+HK$3,782/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,312/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,068
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,813
−HK$1,770/mo
Today · 4.125%
HK$68,583
baseline
▲ 0.50% · 4.625%
HK$72,198
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,166/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,375 · Scale 2, in force from 26 Feb 2026)