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$32,800
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,820
−HK$1,036/mo
Today · 4.125%
HK$34,856
baseline
▲ 0.50% · 4.625%
HK$36,977
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,712/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,489
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,468
−HK$993/mo
Today · 4.125%
HK$38,461
baseline
▲ 0.50% · 4.625%
HK$40,488
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,922/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,360
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,584
−HK$1,244/mo
Today · 4.125%
HK$41,828
baseline
▲ 0.50% · 4.625%
HK$44,373
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,656/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,787
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,961
−HK$1,192/mo
Today · 4.125%
HK$46,153
baseline
▲ 0.50% · 4.625%
HK$48,586
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,306/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,919
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,348
−HK$1,451/mo
Today · 4.125%
HK$48,799
baseline
▲ 0.50% · 4.625%
HK$51,768
+HK$2,969/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,598/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,085
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,455
−HK$1,390/mo
Today · 4.125%
HK$53,845
baseline
▲ 0.50% · 4.625%
HK$56,683
+HK$2,838/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,690/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,039
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,876
−HK$1,866/mo
Today · 4.125%
HK$62,742
baseline
▲ 0.50% · 4.625%
HK$66,559
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,484/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,681
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,442
−HK$1,787/mo
Today · 4.125%
HK$69,229
baseline
▲ 0.50% · 4.625%
HK$72,878
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,458/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,407 · Scale 2, in force from 26 Feb 2026)