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$32,805
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,825
−HK$1,037/mo
Today · 4.125%
HK$34,862
baseline
▲ 0.50% · 4.625%
HK$36,983
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,724/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,495
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,473
−HK$993/mo
Today · 4.125%
HK$38,466
baseline
▲ 0.50% · 4.625%
HK$40,494
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,932/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,365
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,590
−HK$1,244/mo
Today · 4.125%
HK$41,834
baseline
▲ 0.50% · 4.625%
HK$44,379
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,668/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,794
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,968
−HK$1,192/mo
Today · 4.125%
HK$46,160
baseline
▲ 0.50% · 4.625%
HK$48,593
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,320/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,926
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,355
−HK$1,451/mo
Today · 4.125%
HK$48,806
baseline
▲ 0.50% · 4.625%
HK$51,776
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,612/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,093
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,463
−HK$1,390/mo
Today · 4.125%
HK$53,853
baseline
▲ 0.50% · 4.625%
HK$56,692
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,706/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,048
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,885
−HK$1,866/mo
Today · 4.125%
HK$62,751
baseline
▲ 0.50% · 4.625%
HK$66,569
+HK$3,818/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,502/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,690
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,452
−HK$1,787/mo
Today · 4.125%
HK$69,239
baseline
▲ 0.50% · 4.625%
HK$72,889
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,478/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,488 · Scale 2, in force from 26 Feb 2026)