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$32,729
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,747
−HK$1,034/mo
Today · 4.125%
HK$34,781
baseline
▲ 0.50% · 4.625%
HK$36,898
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,562/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,411
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,387
−HK$991/mo
Today · 4.125%
HK$38,378
baseline
▲ 0.50% · 4.625%
HK$40,401
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,756/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,275
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,496
−HK$1,242/mo
Today · 4.125%
HK$41,738
baseline
▲ 0.50% · 4.625%
HK$44,277
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,476/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,693
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,865
−HK$1,188/mo
Today · 4.125%
HK$46,053
baseline
▲ 0.50% · 4.625%
HK$48,481
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,106/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,820
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,246
−HK$1,448/mo
Today · 4.125%
HK$48,694
baseline
▲ 0.50% · 4.625%
HK$51,657
+HK$2,963/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,388/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,975
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,342
−HK$1,387/mo
Today · 4.125%
HK$53,729
baseline
▲ 0.50% · 4.625%
HK$56,561
+HK$2,832/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,458/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,912
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,745
−HK$1,861/mo
Today · 4.125%
HK$62,606
baseline
▲ 0.50% · 4.625%
HK$66,416
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,212/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,539
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,297
−HK$1,783/mo
Today · 4.125%
HK$69,080
baseline
▲ 0.50% · 4.625%
HK$72,721
+HK$3,641/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,160/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,244 · Scale 2, in force from 26 Feb 2026)