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$32,777
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,797
−HK$1,036/mo
Today · 4.125%
HK$34,833
baseline
▲ 0.50% · 4.625%
HK$36,952
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,666/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,464
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,442
−HK$992/mo
Today · 4.125%
HK$38,434
baseline
▲ 0.50% · 4.625%
HK$40,460
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,868/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,333
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,556
−HK$1,243/mo
Today · 4.125%
HK$41,799
baseline
▲ 0.50% · 4.625%
HK$44,343
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,598/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,757
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,931
−HK$1,190/mo
Today · 4.125%
HK$46,121
baseline
▲ 0.50% · 4.625%
HK$48,552
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,242/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,888
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,316
−HK$1,450/mo
Today · 4.125%
HK$48,766
baseline
▲ 0.50% · 4.625%
HK$51,733
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,532/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,050
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,419
−HK$1,389/mo
Today · 4.125%
HK$53,808
baseline
▲ 0.50% · 4.625%
HK$56,645
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,616/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,999
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,834
−HK$1,865/mo
Today · 4.125%
HK$62,699
baseline
▲ 0.50% · 4.625%
HK$66,514
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,398/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,636
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,396
−HK$1,786/mo
Today · 4.125%
HK$69,182
baseline
▲ 0.50% · 4.625%
HK$72,829
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,364/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,039 · Scale 2, in force from 26 Feb 2026)