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$32,747
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,766
−HK$1,035/mo
Today · 4.125%
HK$34,801
baseline
▲ 0.50% · 4.625%
HK$36,918
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,602/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,431
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,408
−HK$991/mo
Today · 4.125%
HK$38,399
baseline
▲ 0.50% · 4.625%
HK$40,423
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,798/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,297
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,519
−HK$1,242/mo
Today · 4.125%
HK$41,761
baseline
▲ 0.50% · 4.625%
HK$44,302
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$83,522/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,717
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,889
−HK$1,190/mo
Today · 4.125%
HK$46,079
baseline
▲ 0.50% · 4.625%
HK$48,508
+HK$2,429/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$92,158/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,846
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,272
−HK$1,449/mo
Today · 4.125%
HK$48,721
baseline
▲ 0.50% · 4.625%
HK$51,685
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,442/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,003
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,371
−HK$1,388/mo
Today · 4.125%
HK$53,759
baseline
▲ 0.50% · 4.625%
HK$56,592
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,518/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,945
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,778
−HK$1,863/mo
Today · 4.125%
HK$62,641
baseline
▲ 0.50% · 4.625%
HK$66,453
+HK$3,812/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,282/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,575
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,334
−HK$1,784/mo
Today · 4.125%
HK$69,118
baseline
▲ 0.50% · 4.625%
HK$72,762
+HK$3,644/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,236/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,544 · Scale 2, in force from 26 Feb 2026)