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$32,780
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,800
−HK$1,036/mo
Today · 4.125%
HK$34,836
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,672/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,468
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,446
−HK$992/mo
Today · 4.125%
HK$38,438
baseline
▲ 0.50% · 4.625%
HK$40,464
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,876/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,336
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,560
−HK$1,243/mo
Today · 4.125%
HK$41,803
baseline
▲ 0.50% · 4.625%
HK$44,346
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,606/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,761
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,935
−HK$1,190/mo
Today · 4.125%
HK$46,125
baseline
▲ 0.50% · 4.625%
HK$48,557
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,250/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,892
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,320
−HK$1,450/mo
Today · 4.125%
HK$48,770
baseline
▲ 0.50% · 4.625%
HK$51,738
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,540/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,055
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,424
−HK$1,389/mo
Today · 4.125%
HK$53,813
baseline
▲ 0.50% · 4.625%
HK$56,649
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,626/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,004
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,840
−HK$1,864/mo
Today · 4.125%
HK$62,704
baseline
▲ 0.50% · 4.625%
HK$66,520
+HK$3,816/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,408/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,642
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,402
−HK$1,786/mo
Today · 4.125%
HK$69,188
baseline
▲ 0.50% · 4.625%
HK$72,835
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,376/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,086 · Scale 2, in force from 26 Feb 2026)