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$32,764
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,784
−HK$1,035/mo
Today · 4.125%
HK$34,819
baseline
▲ 0.50% · 4.625%
HK$36,938
+HK$2,119/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,638/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,450
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,428
−HK$991/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,444
+HK$2,025/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,317
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,540
−HK$1,243/mo
Today · 4.125%
HK$41,783
baseline
▲ 0.50% · 4.625%
HK$44,325
+HK$2,542/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,566/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,740
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,913
−HK$1,190/mo
Today · 4.125%
HK$46,103
baseline
▲ 0.50% · 4.625%
HK$48,533
+HK$2,430/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,206/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,870
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,297
−HK$1,450/mo
Today · 4.125%
HK$48,747
baseline
▲ 0.50% · 4.625%
HK$51,713
+HK$2,966/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,494/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,030
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,399
−HK$1,388/mo
Today · 4.125%
HK$53,787
baseline
▲ 0.50% · 4.625%
HK$56,622
+HK$2,835/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,574/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,976
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,810
−HK$1,864/mo
Today · 4.125%
HK$62,674
baseline
▲ 0.50% · 4.625%
HK$66,488
+HK$3,814/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,348/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,610
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,370
−HK$1,785/mo
Today · 4.125%
HK$69,155
baseline
▲ 0.50% · 4.625%
HK$72,800
+HK$3,645/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,310/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,827 · Scale 2, in force from 26 Feb 2026)