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$32,757
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,776
−HK$1,035/mo
Today · 4.125%
HK$34,811
baseline
▲ 0.50% · 4.625%
HK$36,929
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,622/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,441
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,419
−HK$991/mo
Today · 4.125%
HK$38,410
baseline
▲ 0.50% · 4.625%
HK$40,435
+HK$2,025/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,820/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,308
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,531
−HK$1,242/mo
Today · 4.125%
HK$41,773
baseline
▲ 0.50% · 4.625%
HK$44,315
+HK$2,542/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,546/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,730
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,902
−HK$1,190/mo
Today · 4.125%
HK$46,092
baseline
▲ 0.50% · 4.625%
HK$48,522
+HK$2,430/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,184/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,859
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,286
−HK$1,449/mo
Today · 4.125%
HK$48,735
baseline
▲ 0.50% · 4.625%
HK$51,700
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,470/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,018
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,386
−HK$1,388/mo
Today · 4.125%
HK$53,774
baseline
▲ 0.50% · 4.625%
HK$56,609
+HK$2,835/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,548/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,962
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,796
−HK$1,863/mo
Today · 4.125%
HK$62,659
baseline
▲ 0.50% · 4.625%
HK$66,472
+HK$3,813/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,318/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,594
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,354
−HK$1,784/mo
Today · 4.125%
HK$69,138
baseline
▲ 0.50% · 4.625%
HK$72,783
+HK$3,645/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,276/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,700 · Scale 2, in force from 26 Feb 2026)