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$32,776
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,796
−HK$1,035/mo
Today · 4.125%
HK$34,831
baseline
▲ 0.50% · 4.625%
HK$36,951
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,662/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,463
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,441
−HK$992/mo
Today · 4.125%
HK$38,433
baseline
▲ 0.50% · 4.625%
HK$40,459
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,866/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,331
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,555
−HK$1,243/mo
Today · 4.125%
HK$41,798
baseline
▲ 0.50% · 4.625%
HK$44,341
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,596/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,756
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,929
−HK$1,191/mo
Today · 4.125%
HK$46,120
baseline
▲ 0.50% · 4.625%
HK$48,551
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,240/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,887
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,314
−HK$1,450/mo
Today · 4.125%
HK$48,764
baseline
▲ 0.50% · 4.625%
HK$51,731
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,528/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,048
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,417
−HK$1,389/mo
Today · 4.125%
HK$53,806
baseline
▲ 0.50% · 4.625%
HK$56,643
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,612/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,997
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,832
−HK$1,865/mo
Today · 4.125%
HK$62,697
baseline
▲ 0.50% · 4.625%
HK$66,512
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,394/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,634
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,394
−HK$1,786/mo
Today · 4.125%
HK$69,180
baseline
▲ 0.50% · 4.625%
HK$72,826
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,360/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,021 · Scale 2, in force from 26 Feb 2026)