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$32,772
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,791
−HK$1,036/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,458
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,436
−HK$992/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,454
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,326
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,549
−HK$1,243/mo
Today · 4.125%
HK$41,792
baseline
▲ 0.50% · 4.625%
HK$44,335
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,584/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,750
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,923
−HK$1,191/mo
Today · 4.125%
HK$46,114
baseline
▲ 0.50% · 4.625%
HK$48,544
+HK$2,430/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,228/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,880
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,308
−HK$1,450/mo
Today · 4.125%
HK$48,758
baseline
▲ 0.50% · 4.625%
HK$51,724
+HK$2,966/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,516/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,041
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,410
−HK$1,389/mo
Today · 4.125%
HK$53,799
baseline
▲ 0.50% · 4.625%
HK$56,635
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,598/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,989
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,824
−HK$1,864/mo
Today · 4.125%
HK$62,688
baseline
▲ 0.50% · 4.625%
HK$66,503
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,376/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,625
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,385
−HK$1,785/mo
Today · 4.125%
HK$69,170
baseline
▲ 0.50% · 4.625%
HK$72,816
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,340/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,948 · Scale 2, in force from 26 Feb 2026)