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$32,464
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,473
−HK$1,026/mo
Today · 4.125%
HK$34,499
baseline
▲ 0.50% · 4.625%
HK$36,599
+HK$2,100/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,998/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,115
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,084
−HK$983/mo
Today · 4.125%
HK$38,067
baseline
▲ 0.50% · 4.625%
HK$40,073
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,134/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,956
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,168
−HK$1,231/mo
Today · 4.125%
HK$41,399
baseline
▲ 0.50% · 4.625%
HK$43,918
+HK$2,519/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,798/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,339
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,501
−HK$1,179/mo
Today · 4.125%
HK$45,680
baseline
▲ 0.50% · 4.625%
HK$48,088
+HK$2,408/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,360/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,449
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,863
−HK$1,436/mo
Today · 4.125%
HK$48,299
baseline
▲ 0.50% · 4.625%
HK$51,238
+HK$2,939/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,598/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,562
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,918
−HK$1,375/mo
Today · 4.125%
HK$53,293
baseline
▲ 0.50% · 4.625%
HK$56,103
+HK$2,810/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,586/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,435
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,252
−HK$1,847/mo
Today · 4.125%
HK$62,099
baseline
▲ 0.50% · 4.625%
HK$65,877
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,198/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,008
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,751
−HK$1,769/mo
Today · 4.125%
HK$68,520
baseline
▲ 0.50% · 4.625%
HK$72,132
+HK$3,612/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$137,040/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,882 · Scale 2, in force from 26 Feb 2026)