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$32,470
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,480
−HK$1,026/mo
Today · 4.125%
HK$34,506
baseline
▲ 0.50% · 4.625%
HK$36,606
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,012/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,122
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,091
−HK$983/mo
Today · 4.125%
HK$38,074
baseline
▲ 0.50% · 4.625%
HK$40,081
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,148/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,964
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,176
−HK$1,231/mo
Today · 4.125%
HK$41,407
baseline
▲ 0.50% · 4.625%
HK$43,927
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$82,814/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,347
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,509
−HK$1,180/mo
Today · 4.125%
HK$45,689
baseline
▲ 0.50% · 4.625%
HK$48,097
+HK$2,408/mo
Deposit HK$5.70M · loan HK$8.54M · min. income ≈ HK$91,378/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,458
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,872
−HK$1,436/mo
Today · 4.125%
HK$48,308
baseline
▲ 0.50% · 4.625%
HK$51,248
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,616/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,571
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,928
−HK$1,376/mo
Today · 4.125%
HK$53,304
baseline
▲ 0.50% · 4.625%
HK$56,113
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,608/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$533,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,446
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,264
−HK$1,847/mo
Today · 4.125%
HK$62,111
baseline
▲ 0.50% · 4.625%
HK$65,890
+HK$3,779/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,222/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,020
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,764
−HK$1,769/mo
Today · 4.125%
HK$68,533
baseline
▲ 0.50% · 4.625%
HK$72,146
+HK$3,613/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,066/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,985 · Scale 2, in force from 26 Feb 2026)