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$32,787
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,807
−HK$1,036/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,963
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,475
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,453
−HK$993/mo
Today · 4.125%
HK$38,446
baseline
▲ 0.50% · 4.625%
HK$40,472
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,892/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,344
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,568
−HK$1,243/mo
Today · 4.125%
HK$41,811
baseline
▲ 0.50% · 4.625%
HK$44,355
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,622/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,770
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,191/mo
Today · 4.125%
HK$46,135
baseline
▲ 0.50% · 4.625%
HK$48,566
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,270/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,901
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,329
−HK$1,451/mo
Today · 4.125%
HK$48,780
baseline
▲ 0.50% · 4.625%
HK$51,748
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,560/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,065
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,434
−HK$1,390/mo
Today · 4.125%
HK$53,824
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,648/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,016
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,852
−HK$1,865/mo
Today · 4.125%
HK$62,717
baseline
▲ 0.50% · 4.625%
HK$66,533
+HK$3,816/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,434/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,655
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,416
−HK$1,786/mo
Today · 4.125%
HK$69,202
baseline
▲ 0.50% · 4.625%
HK$72,850
+HK$3,648/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,404/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,196 · Scale 2, in force from 26 Feb 2026)