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$32,641
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,656
−HK$1,032/mo
Today · 4.125%
HK$34,688
baseline
▲ 0.50% · 4.625%
HK$36,799
+HK$2,111/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$69,376/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,313
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,287
−HK$988/mo
Today · 4.125%
HK$38,275
baseline
▲ 0.50% · 4.625%
HK$40,292
+HK$2,017/mo
Deposit HK$7.16M · loan HK$7.16M · min. income ≈ HK$76,550/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,169
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,388
−HK$1,238/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$44,158
+HK$2,532/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,575
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,744
−HK$1,186/mo
Today · 4.125%
HK$45,930
baseline
▲ 0.50% · 4.625%
HK$48,351
+HK$2,421/mo
Deposit HK$5.73M · loan HK$8.59M · min. income ≈ HK$91,860/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,698
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,119
−HK$1,444/mo
Today · 4.125%
HK$48,563
baseline
▲ 0.50% · 4.625%
HK$51,518
+HK$2,955/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$97,126/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,838
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,201
−HK$1,384/mo
Today · 4.125%
HK$53,585
baseline
▲ 0.50% · 4.625%
HK$56,409
+HK$2,824/mo
Deposit HK$4.29M · loan HK$10.02M · min. income ≈ HK$107,170/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,754
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,582
−HK$1,856/mo
Today · 4.125%
HK$62,438
baseline
▲ 0.50% · 4.625%
HK$66,238
+HK$3,800/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$124,876/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,363
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,116
−HK$1,779/mo
Today · 4.125%
HK$68,895
baseline
▲ 0.50% · 4.625%
HK$72,526
+HK$3,631/mo
Deposit HK$1.43M · loan HK$12.88M · min. income ≈ HK$137,790/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,800 · Scale 2, in force from 26 Feb 2026)