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$32,732
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$1,034/mo
Today · 4.125%
HK$34,784
baseline
▲ 0.50% · 4.625%
HK$36,901
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,568/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,414
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,390
−HK$991/mo
Today · 4.125%
HK$38,381
baseline
▲ 0.50% · 4.625%
HK$40,404
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,762/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,278
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,500
−HK$1,241/mo
Today · 4.125%
HK$41,741
baseline
▲ 0.50% · 4.625%
HK$44,281
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,482/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,696
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,868
−HK$1,189/mo
Today · 4.125%
HK$46,057
baseline
▲ 0.50% · 4.625%
HK$48,485
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,114/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,824
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,250
−HK$1,448/mo
Today · 4.125%
HK$48,698
baseline
▲ 0.50% · 4.625%
HK$51,661
+HK$2,963/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,396/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,979
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,346
−HK$1,387/mo
Today · 4.125%
HK$53,733
baseline
▲ 0.50% · 4.625%
HK$56,566
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,466/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,917
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,750
−HK$1,861/mo
Today · 4.125%
HK$62,611
baseline
▲ 0.50% · 4.625%
HK$66,421
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,222/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,544
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,302
−HK$1,784/mo
Today · 4.125%
HK$69,086
baseline
▲ 0.50% · 4.625%
HK$72,727
+HK$3,641/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,172/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,289 · Scale 2, in force from 26 Feb 2026)