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$32,779
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,798
−HK$1,036/mo
Today · 4.125%
HK$34,834
baseline
▲ 0.50% · 4.625%
HK$36,954
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,668/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,466
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,444
−HK$992/mo
Today · 4.125%
HK$38,436
baseline
▲ 0.50% · 4.625%
HK$40,462
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,872/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,335
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,558
−HK$1,243/mo
Today · 4.125%
HK$41,801
baseline
▲ 0.50% · 4.625%
HK$44,345
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,602/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,759
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,933
−HK$1,191/mo
Today · 4.125%
HK$46,124
baseline
▲ 0.50% · 4.625%
HK$48,555
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,248/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,890
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,318
−HK$1,450/mo
Today · 4.125%
HK$48,768
baseline
▲ 0.50% · 4.625%
HK$51,736
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,536/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,053
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,422
−HK$1,389/mo
Today · 4.125%
HK$53,811
baseline
▲ 0.50% · 4.625%
HK$56,647
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,622/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,002
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,837
−HK$1,865/mo
Today · 4.125%
HK$62,702
baseline
▲ 0.50% · 4.625%
HK$66,517
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,404/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,639
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,399
−HK$1,786/mo
Today · 4.125%
HK$69,185
baseline
▲ 0.50% · 4.625%
HK$72,832
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,370/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,065 · Scale 2, in force from 26 Feb 2026)