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$32,488
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$1,027/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,626
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,143
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,112
−HK$984/mo
Today · 4.125%
HK$38,096
baseline
▲ 0.50% · 4.625%
HK$40,104
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,192/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,986
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,199
−HK$1,232/mo
Today · 4.125%
HK$41,431
baseline
▲ 0.50% · 4.625%
HK$43,952
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,862/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,372
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,535
−HK$1,180/mo
Today · 4.125%
HK$45,715
baseline
▲ 0.50% · 4.625%
HK$48,124
+HK$2,409/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,430/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,484
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,898
−HK$1,438/mo
Today · 4.125%
HK$48,336
baseline
▲ 0.50% · 4.625%
HK$51,277
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,672/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,600
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,957
−HK$1,377/mo
Today · 4.125%
HK$53,334
baseline
▲ 0.50% · 4.625%
HK$56,145
+HK$2,811/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,668/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,479
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,298
−HK$1,848/mo
Today · 4.125%
HK$62,146
baseline
▲ 0.50% · 4.625%
HK$65,928
+HK$3,782/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,292/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,057
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,802
−HK$1,770/mo
Today · 4.125%
HK$68,572
baseline
▲ 0.50% · 4.625%
HK$72,187
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,144/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,288 · Scale 2, in force from 26 Feb 2026)