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$2,057/mo
▼ 0.25% · 3.875%
HK$33,821
−HK$1,036/mo
Today · 4.125%
HK$34,857
baseline
▲ 0.50% · 4.625%
HK$36,978
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,714/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,490
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,469
−HK$993/mo
Today · 4.125%
HK$38,462
baseline
▲ 0.50% · 4.625%
HK$40,489
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,924/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,360
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,585
−HK$1,244/mo
Today · 4.125%
HK$41,829
baseline
▲ 0.50% · 4.625%
HK$44,374
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,658/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,788
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,962
−HK$1,192/mo
Today · 4.125%
HK$46,154
baseline
▲ 0.50% · 4.625%
HK$48,587
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,308/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,920
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,349
−HK$1,451/mo
Today · 4.125%
HK$48,800
baseline
▲ 0.50% · 4.625%
HK$51,769
+HK$2,969/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,600/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,086
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,456
−HK$1,390/mo
Today · 4.125%
HK$53,846
baseline
▲ 0.50% · 4.625%
HK$56,684
+HK$2,838/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,692/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,041
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,877
−HK$1,866/mo
Today · 4.125%
HK$62,743
baseline
▲ 0.50% · 4.625%
HK$66,561
+HK$3,818/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,486/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,682
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,444
−HK$1,787/mo
Today · 4.125%
HK$69,231
baseline
▲ 0.50% · 4.625%
HK$72,880
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,462/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,419 · Scale 2, in force from 26 Feb 2026)