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$32,752
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,770
−HK$1,035/mo
Today · 4.125%
HK$34,805
baseline
▲ 0.50% · 4.625%
HK$36,923
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,610/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,436
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$991/mo
Today · 4.125%
HK$38,404
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,025/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,808/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,302
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,524
−HK$1,243/mo
Today · 4.125%
HK$41,767
baseline
▲ 0.50% · 4.625%
HK$44,308
+HK$2,541/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,534/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,723
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,896
−HK$1,189/mo
Today · 4.125%
HK$46,085
baseline
▲ 0.50% · 4.625%
HK$48,514
+HK$2,429/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,170/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,852
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,279
−HK$1,449/mo
Today · 4.125%
HK$48,728
baseline
▲ 0.50% · 4.625%
HK$51,693
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,456/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,010
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,378
−HK$1,388/mo
Today · 4.125%
HK$53,766
baseline
▲ 0.50% · 4.625%
HK$56,600
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,532/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,953
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,787
−HK$1,863/mo
Today · 4.125%
HK$62,650
baseline
▲ 0.50% · 4.625%
HK$66,462
+HK$3,812/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,300/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,585
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,343
−HK$1,785/mo
Today · 4.125%
HK$69,128
baseline
▲ 0.50% · 4.625%
HK$72,772
+HK$3,644/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,256/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,618 · Scale 2, in force from 26 Feb 2026)