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$32,469
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,479
−HK$1,026/mo
Today · 4.125%
HK$34,505
baseline
▲ 0.50% · 4.625%
HK$36,604
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,010/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,121
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$983/mo
Today · 4.125%
HK$38,073
baseline
▲ 0.50% · 4.625%
HK$40,079
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,146/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,962
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,174
−HK$1,232/mo
Today · 4.125%
HK$41,406
baseline
▲ 0.50% · 4.625%
HK$43,925
+HK$2,519/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,812/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,345
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,508
−HK$1,179/mo
Today · 4.125%
HK$45,687
baseline
▲ 0.50% · 4.625%
HK$48,095
+HK$2,408/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,374/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,456
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,870
−HK$1,437/mo
Today · 4.125%
HK$48,307
baseline
▲ 0.50% · 4.625%
HK$51,246
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,614/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,569
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,926
−HK$1,376/mo
Today · 4.125%
HK$53,302
baseline
▲ 0.50% · 4.625%
HK$56,111
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,604/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,444
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,262
−HK$1,847/mo
Today · 4.125%
HK$62,109
baseline
▲ 0.50% · 4.625%
HK$65,888
+HK$3,779/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,218/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,018
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,762
−HK$1,769/mo
Today · 4.125%
HK$68,531
baseline
▲ 0.50% · 4.625%
HK$72,143
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,062/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,965 · Scale 2, in force from 26 Feb 2026)