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$32,760
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$1,035/mo
Today · 4.125%
HK$34,814
baseline
▲ 0.50% · 4.625%
HK$36,932
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,628/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,445
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,422
−HK$992/mo
Today · 4.125%
HK$38,414
baseline
▲ 0.50% · 4.625%
HK$40,439
+HK$2,025/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,828/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,312
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,534
−HK$1,243/mo
Today · 4.125%
HK$41,777
baseline
▲ 0.50% · 4.625%
HK$44,319
+HK$2,542/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,554/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,734
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,907
−HK$1,190/mo
Today · 4.125%
HK$46,097
baseline
▲ 0.50% · 4.625%
HK$48,526
+HK$2,429/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,194/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,863
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,290
−HK$1,450/mo
Today · 4.125%
HK$48,740
baseline
▲ 0.50% · 4.625%
HK$51,705
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,480/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,023
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,391
−HK$1,388/mo
Today · 4.125%
HK$53,779
baseline
▲ 0.50% · 4.625%
HK$56,614
+HK$2,835/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,558/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,967
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,802
−HK$1,863/mo
Today · 4.125%
HK$62,665
baseline
▲ 0.50% · 4.625%
HK$66,478
+HK$3,813/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,330/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,601
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,360
−HK$1,785/mo
Today · 4.125%
HK$69,145
baseline
▲ 0.50% · 4.625%
HK$72,789
+HK$3,644/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,290/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,750 · Scale 2, in force from 26 Feb 2026)