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$32,731
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$1,034/mo
Today · 4.125%
HK$34,783
baseline
▲ 0.50% · 4.625%
HK$36,900
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,566/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,413
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,389
−HK$991/mo
Today · 4.125%
HK$38,380
baseline
▲ 0.50% · 4.625%
HK$40,403
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,760/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,277
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,499
−HK$1,241/mo
Today · 4.125%
HK$41,740
baseline
▲ 0.50% · 4.625%
HK$44,280
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,480/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,695
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,867
−HK$1,189/mo
Today · 4.125%
HK$46,056
baseline
▲ 0.50% · 4.625%
HK$48,484
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,112/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,823
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,249
−HK$1,448/mo
Today · 4.125%
HK$48,697
baseline
▲ 0.50% · 4.625%
HK$51,660
+HK$2,963/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,394/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,978
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,345
−HK$1,387/mo
Today · 4.125%
HK$53,732
baseline
▲ 0.50% · 4.625%
HK$56,564
+HK$2,832/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,464/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,916
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,748
−HK$1,862/mo
Today · 4.125%
HK$62,610
baseline
▲ 0.50% · 4.625%
HK$66,420
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,220/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,543
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,301
−HK$1,783/mo
Today · 4.125%
HK$69,084
baseline
▲ 0.50% · 4.625%
HK$72,726
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,168/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,276 · Scale 2, in force from 26 Feb 2026)