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$32,793
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,813
−HK$1,036/mo
Today · 4.125%
HK$34,849
baseline
▲ 0.50% · 4.625%
HK$36,970
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,698/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,482
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,460
−HK$993/mo
Today · 4.125%
HK$38,453
baseline
▲ 0.50% · 4.625%
HK$40,480
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,906/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,351
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,243/mo
Today · 4.125%
HK$41,819
baseline
▲ 0.50% · 4.625%
HK$44,364
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,638/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,778
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,952
−HK$1,191/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,576
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,286/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,910
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,338
−HK$1,451/mo
Today · 4.125%
HK$48,789
baseline
▲ 0.50% · 4.625%
HK$51,758
+HK$2,969/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,578/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,074
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,444
−HK$1,390/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$56,672
+HK$2,838/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,027
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,863
−HK$1,866/mo
Today · 4.125%
HK$62,729
baseline
▲ 0.50% · 4.625%
HK$66,546
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,458/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,667
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,428
−HK$1,787/mo
Today · 4.125%
HK$69,215
baseline
▲ 0.50% · 4.625%
HK$72,863
+HK$3,648/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,430/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,297 · Scale 2, in force from 26 Feb 2026)