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$32,449
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,458
−HK$1,026/mo
Today · 4.125%
HK$34,484
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$2,098/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,968/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,099
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,067
−HK$983/mo
Today · 4.125%
HK$38,050
baseline
▲ 0.50% · 4.625%
HK$40,055
+HK$2,005/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,100/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,939
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,150
−HK$1,231/mo
Today · 4.125%
HK$41,381
baseline
▲ 0.50% · 4.625%
HK$43,899
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,762/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,319
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,481
−HK$1,178/mo
Today · 4.125%
HK$45,659
baseline
▲ 0.50% · 4.625%
HK$48,066
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,318/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,429
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,842
−HK$1,435/mo
Today · 4.125%
HK$48,277
baseline
▲ 0.50% · 4.625%
HK$51,215
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,554/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,539
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,894
−HK$1,375/mo
Today · 4.125%
HK$53,269
baseline
▲ 0.50% · 4.625%
HK$56,077
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,538/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,408
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,225
−HK$1,846/mo
Today · 4.125%
HK$62,071
baseline
▲ 0.50% · 4.625%
HK$65,848
+HK$3,777/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,142/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,979
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,721
−HK$1,768/mo
Today · 4.125%
HK$68,489
baseline
▲ 0.50% · 4.625%
HK$72,099
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,978/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,642 · Scale 2, in force from 26 Feb 2026)