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$32,759
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,778
−HK$1,035/mo
Today · 4.125%
HK$34,813
baseline
▲ 0.50% · 4.625%
HK$36,931
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,626/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,444
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,421
−HK$992/mo
Today · 4.125%
HK$38,413
baseline
▲ 0.50% · 4.625%
HK$40,437
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,826/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,310
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,533
−HK$1,243/mo
Today · 4.125%
HK$41,776
baseline
▲ 0.50% · 4.625%
HK$44,317
+HK$2,541/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,552/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,732
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,905
−HK$1,190/mo
Today · 4.125%
HK$46,095
baseline
▲ 0.50% · 4.625%
HK$48,525
+HK$2,430/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,190/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,862
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,289
−HK$1,449/mo
Today · 4.125%
HK$48,738
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,966/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,476/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,021
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,390
−HK$1,388/mo
Today · 4.125%
HK$53,778
baseline
▲ 0.50% · 4.625%
HK$56,612
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,556/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,966
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,800
−HK$1,863/mo
Today · 4.125%
HK$62,663
baseline
▲ 0.50% · 4.625%
HK$66,476
+HK$3,813/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,326/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,599
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,358
−HK$1,785/mo
Today · 4.125%
HK$69,143
baseline
▲ 0.50% · 4.625%
HK$72,787
+HK$3,644/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,286/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,734 · Scale 2, in force from 26 Feb 2026)