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$32,737
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,755
−HK$1,034/mo
Today · 4.125%
HK$34,789
baseline
▲ 0.50% · 4.625%
HK$36,906
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,578/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,396
−HK$991/mo
Today · 4.125%
HK$38,387
baseline
▲ 0.50% · 4.625%
HK$40,410
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,774/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,284
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,506
−HK$1,241/mo
Today · 4.125%
HK$41,747
baseline
▲ 0.50% · 4.625%
HK$44,288
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,494/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,703
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,875
−HK$1,189/mo
Today · 4.125%
HK$46,064
baseline
▲ 0.50% · 4.625%
HK$48,492
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,128/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,831
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,257
−HK$1,448/mo
Today · 4.125%
HK$48,705
baseline
▲ 0.50% · 4.625%
HK$51,669
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,410/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,987
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,354
−HK$1,387/mo
Today · 4.125%
HK$53,741
baseline
▲ 0.50% · 4.625%
HK$56,574
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,482/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,926
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,759
−HK$1,862/mo
Today · 4.125%
HK$62,621
baseline
▲ 0.50% · 4.625%
HK$66,431
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,242/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,554
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,313
−HK$1,783/mo
Today · 4.125%
HK$69,096
baseline
▲ 0.50% · 4.625%
HK$72,738
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,192/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,370 · Scale 2, in force from 26 Feb 2026)