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$32,807
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,828
−HK$1,037/mo
Today · 4.125%
HK$34,865
baseline
▲ 0.50% · 4.625%
HK$36,986
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,730/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,498
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,477
−HK$993/mo
Today · 4.125%
HK$38,470
baseline
▲ 0.50% · 4.625%
HK$40,497
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,940/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,369
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,593
−HK$1,244/mo
Today · 4.125%
HK$41,837
baseline
▲ 0.50% · 4.625%
HK$44,383
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,674/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,797
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,972
−HK$1,191/mo
Today · 4.125%
HK$46,163
baseline
▲ 0.50% · 4.625%
HK$48,597
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,326/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,930
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,359
−HK$1,451/mo
Today · 4.125%
HK$48,810
baseline
▲ 0.50% · 4.625%
HK$51,780
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,620/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,097
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,467
−HK$1,390/mo
Today · 4.125%
HK$53,857
baseline
▲ 0.50% · 4.625%
HK$56,696
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,714/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,053
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,890
−HK$1,866/mo
Today · 4.125%
HK$62,756
baseline
▲ 0.50% · 4.625%
HK$66,575
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,512/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,696
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,458
−HK$1,787/mo
Today · 4.125%
HK$69,245
baseline
▲ 0.50% · 4.625%
HK$72,895
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,490/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,532 · Scale 2, in force from 26 Feb 2026)