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$32,782
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$1,036/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,447
−HK$993/mo
Today · 4.125%
HK$38,440
baseline
▲ 0.50% · 4.625%
HK$40,466
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,880/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,338
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,562
−HK$1,243/mo
Today · 4.125%
HK$41,805
baseline
▲ 0.50% · 4.625%
HK$44,348
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,610/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,763
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,937
−HK$1,190/mo
Today · 4.125%
HK$46,127
baseline
▲ 0.50% · 4.625%
HK$48,559
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,254/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,894
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,322
−HK$1,450/mo
Today · 4.125%
HK$48,772
baseline
▲ 0.50% · 4.625%
HK$51,740
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,544/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,057
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,426
−HK$1,389/mo
Today · 4.125%
HK$53,815
baseline
▲ 0.50% · 4.625%
HK$56,652
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,630/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,007
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,842
−HK$1,865/mo
Today · 4.125%
HK$62,707
baseline
▲ 0.50% · 4.625%
HK$66,523
+HK$3,816/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,414/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,645
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,405
−HK$1,786/mo
Today · 4.125%
HK$69,191
baseline
▲ 0.50% · 4.625%
HK$72,838
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,382/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,111 · Scale 2, in force from 26 Feb 2026)