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$32,804
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,824
−HK$1,037/mo
Today · 4.125%
HK$34,861
baseline
▲ 0.50% · 4.625%
HK$36,982
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,722/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,494
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,472
−HK$993/mo
Today · 4.125%
HK$38,465
baseline
▲ 0.50% · 4.625%
HK$40,493
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,930/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,364
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,589
−HK$1,244/mo
Today · 4.125%
HK$41,833
baseline
▲ 0.50% · 4.625%
HK$44,378
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,666/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,792
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,967
−HK$1,191/mo
Today · 4.125%
HK$46,158
baseline
▲ 0.50% · 4.625%
HK$48,592
+HK$2,434/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,316/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,925
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,354
−HK$1,451/mo
Today · 4.125%
HK$48,805
baseline
▲ 0.50% · 4.625%
HK$51,775
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,610/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,091
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,461
−HK$1,391/mo
Today · 4.125%
HK$53,852
baseline
▲ 0.50% · 4.625%
HK$56,690
+HK$2,838/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,704/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,047
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,883
−HK$1,866/mo
Today · 4.125%
HK$62,749
baseline
▲ 0.50% · 4.625%
HK$66,567
+HK$3,818/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,498/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,689
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,450
−HK$1,788/mo
Today · 4.125%
HK$69,238
baseline
▲ 0.50% · 4.625%
HK$72,887
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,476/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,474 · Scale 2, in force from 26 Feb 2026)