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$32,491
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,502
−HK$1,026/mo
Today · 4.125%
HK$34,528
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$2,101/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$69,056/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,146
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,115
−HK$984/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,107
+HK$2,008/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$534,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,989
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,202
−HK$1,232/mo
Today · 4.125%
HK$41,434
baseline
▲ 0.50% · 4.625%
HK$43,955
+HK$2,521/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$82,868/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,375
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,538
−HK$1,180/mo
Today · 4.125%
HK$45,718
baseline
▲ 0.50% · 4.625%
HK$48,128
+HK$2,410/mo
Deposit HK$5.70M · loan HK$8.55M · min. income ≈ HK$91,436/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$534,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,487
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,902
−HK$1,438/mo
Today · 4.125%
HK$48,340
baseline
▲ 0.50% · 4.625%
HK$51,281
+HK$2,941/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$96,680/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,604
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,961
−HK$1,377/mo
Today · 4.125%
HK$53,338
baseline
▲ 0.50% · 4.625%
HK$56,150
+HK$2,812/mo
Deposit HK$4.27M · loan HK$9.97M · min. income ≈ HK$106,676/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$534,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,484
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,303
−HK$1,848/mo
Today · 4.125%
HK$62,151
baseline
▲ 0.50% · 4.625%
HK$65,933
+HK$3,782/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$124,302/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,063
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,808
−HK$1,770/mo
Today · 4.125%
HK$68,578
baseline
▲ 0.50% · 4.625%
HK$72,193
+HK$3,615/mo
Deposit HK$1.42M · loan HK$12.82M · min. income ≈ HK$137,156/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$534,332 · Scale 2, in force from 26 Feb 2026)