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$32,775
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,794
−HK$1,036/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,950
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,462
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,440
−HK$992/mo
Today · 4.125%
HK$38,432
baseline
▲ 0.50% · 4.625%
HK$40,457
+HK$2,025/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,864/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,330
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,553
−HK$1,243/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$44,339
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,754
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,928
−HK$1,190/mo
Today · 4.125%
HK$46,118
baseline
▲ 0.50% · 4.625%
HK$48,549
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,236/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,312
−HK$1,450/mo
Today · 4.125%
HK$48,762
baseline
▲ 0.50% · 4.625%
HK$51,729
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,524/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,046
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,416
−HK$1,388/mo
Today · 4.125%
HK$53,804
baseline
▲ 0.50% · 4.625%
HK$56,640
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,608/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,995
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,830
−HK$1,864/mo
Today · 4.125%
HK$62,694
baseline
▲ 0.50% · 4.625%
HK$66,509
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,388/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,631
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,391
−HK$1,786/mo
Today · 4.125%
HK$69,177
baseline
▲ 0.50% · 4.625%
HK$72,823
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,354/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,001 · Scale 2, in force from 26 Feb 2026)