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$32,454
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,464
−HK$1,025/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,588
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,105
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,073
−HK$983/mo
Today · 4.125%
HK$38,056
baseline
▲ 0.50% · 4.625%
HK$40,062
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,112/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,945
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,157
−HK$1,230/mo
Today · 4.125%
HK$41,387
baseline
▲ 0.50% · 4.625%
HK$43,906
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,774/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,326
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,488
−HK$1,179/mo
Today · 4.125%
HK$45,667
baseline
▲ 0.50% · 4.625%
HK$48,074
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,334/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,436
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,849
−HK$1,436/mo
Today · 4.125%
HK$48,285
baseline
▲ 0.50% · 4.625%
HK$51,223
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,570/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,547
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,903
−HK$1,375/mo
Today · 4.125%
HK$53,278
baseline
▲ 0.50% · 4.625%
HK$56,086
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,556/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,418
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,235
−HK$1,846/mo
Today · 4.125%
HK$62,081
baseline
▲ 0.50% · 4.625%
HK$65,858
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,162/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,989
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,732
−HK$1,768/mo
Today · 4.125%
HK$68,500
baseline
▲ 0.50% · 4.625%
HK$72,111
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,000/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,728 · Scale 2, in force from 26 Feb 2026)