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$32,799
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,819
−HK$1,037/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$539,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,489
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,467
−HK$993/mo
Today · 4.125%
HK$38,460
baseline
▲ 0.50% · 4.625%
HK$40,487
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,920/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,359
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,583
−HK$1,244/mo
Today · 4.125%
HK$41,827
baseline
▲ 0.50% · 4.625%
HK$44,372
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,654/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,786
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,961
−HK$1,191/mo
Today · 4.125%
HK$46,152
baseline
▲ 0.50% · 4.625%
HK$48,585
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,304/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,919
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,347
−HK$1,451/mo
Today · 4.125%
HK$48,798
baseline
▲ 0.50% · 4.625%
HK$51,767
+HK$2,969/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,596/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,084
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,454
−HK$1,390/mo
Today · 4.125%
HK$53,844
baseline
▲ 0.50% · 4.625%
HK$56,682
+HK$2,838/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,688/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,038
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,875
−HK$1,866/mo
Today · 4.125%
HK$62,741
baseline
▲ 0.50% · 4.625%
HK$66,558
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,482/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,680
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,441
−HK$1,787/mo
Today · 4.125%
HK$69,228
baseline
▲ 0.50% · 4.625%
HK$72,877
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,456/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,398 · Scale 2, in force from 26 Feb 2026)