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$32,478
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,488
−HK$1,027/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,615
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,131
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$983/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,091
+HK$2,007/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,974
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,186
−HK$1,232/mo
Today · 4.125%
HK$41,418
baseline
▲ 0.50% · 4.625%
HK$43,938
+HK$2,520/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,836/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,358
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,521
−HK$1,179/mo
Today · 4.125%
HK$45,700
baseline
▲ 0.50% · 4.625%
HK$48,109
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,400/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,469
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,884
−HK$1,437/mo
Today · 4.125%
HK$48,321
baseline
▲ 0.50% · 4.625%
HK$51,261
+HK$2,940/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,642/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,584
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,941
−HK$1,376/mo
Today · 4.125%
HK$53,317
baseline
▲ 0.50% · 4.625%
HK$56,127
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,634/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,460
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,279
−HK$1,847/mo
Today · 4.125%
HK$62,126
baseline
▲ 0.50% · 4.625%
HK$65,907
+HK$3,781/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,252/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,037
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,781
−HK$1,769/mo
Today · 4.125%
HK$68,550
baseline
▲ 0.50% · 4.625%
HK$72,164
+HK$3,614/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,100/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,119 · Scale 2, in force from 26 Feb 2026)