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$32,790
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,810
−HK$1,037/mo
Today · 4.125%
HK$34,847
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,694/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,479
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,457
−HK$993/mo
Today · 4.125%
HK$38,450
baseline
▲ 0.50% · 4.625%
HK$40,476
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,900/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,572
−HK$1,244/mo
Today · 4.125%
HK$41,816
baseline
▲ 0.50% · 4.625%
HK$44,360
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,632/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,775
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,949
−HK$1,191/mo
Today · 4.125%
HK$46,140
baseline
▲ 0.50% · 4.625%
HK$48,572
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,280/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,906
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,334
−HK$1,451/mo
Today · 4.125%
HK$48,785
baseline
▲ 0.50% · 4.625%
HK$51,754
+HK$2,969/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,570/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,070
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,440
−HK$1,390/mo
Today · 4.125%
HK$53,830
baseline
▲ 0.50% · 4.625%
HK$56,667
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,660/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,022
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,858
−HK$1,866/mo
Today · 4.125%
HK$62,724
baseline
▲ 0.50% · 4.625%
HK$66,540
+HK$3,816/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,448/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,662
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,423
−HK$1,786/mo
Today · 4.125%
HK$69,209
baseline
▲ 0.50% · 4.625%
HK$72,858
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,418/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,253 · Scale 2, in force from 26 Feb 2026)