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$32,766
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,785
−HK$1,036/mo
Today · 4.125%
HK$34,821
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$2,119/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,642/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,452
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,430
−HK$991/mo
Today · 4.125%
HK$38,421
baseline
▲ 0.50% · 4.625%
HK$40,447
+HK$2,026/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,842/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,319
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,542
−HK$1,243/mo
Today · 4.125%
HK$41,785
baseline
▲ 0.50% · 4.625%
HK$44,327
+HK$2,542/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,570/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,742
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,915
−HK$1,191/mo
Today · 4.125%
HK$46,106
baseline
▲ 0.50% · 4.625%
HK$48,536
+HK$2,430/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,212/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,873
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,299
−HK$1,450/mo
Today · 4.125%
HK$48,749
baseline
▲ 0.50% · 4.625%
HK$51,715
+HK$2,966/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,498/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,033
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,401
−HK$1,389/mo
Today · 4.125%
HK$53,790
baseline
▲ 0.50% · 4.625%
HK$56,625
+HK$2,835/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,580/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,979
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,814
−HK$1,863/mo
Today · 4.125%
HK$62,677
baseline
▲ 0.50% · 4.625%
HK$66,491
+HK$3,814/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,354/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,613
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,373
−HK$1,785/mo
Today · 4.125%
HK$69,158
baseline
▲ 0.50% · 4.625%
HK$72,804
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,316/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,856 · Scale 2, in force from 26 Feb 2026)