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$32,736
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,754
−HK$1,035/mo
Today · 4.125%
HK$34,789
baseline
▲ 0.50% · 4.625%
HK$36,906
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,578/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,395
−HK$991/mo
Today · 4.125%
HK$38,386
baseline
▲ 0.50% · 4.625%
HK$40,409
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,772/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,283
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,505
−HK$1,242/mo
Today · 4.125%
HK$41,747
baseline
▲ 0.50% · 4.625%
HK$44,287
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,494/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,702
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,874
−HK$1,189/mo
Today · 4.125%
HK$46,063
baseline
▲ 0.50% · 4.625%
HK$48,491
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,126/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,830
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,256
−HK$1,448/mo
Today · 4.125%
HK$48,704
baseline
▲ 0.50% · 4.625%
HK$51,668
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,408/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,986
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,353
−HK$1,388/mo
Today · 4.125%
HK$53,741
baseline
▲ 0.50% · 4.625%
HK$56,573
+HK$2,832/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,482/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,925
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,758
−HK$1,862/mo
Today · 4.125%
HK$62,620
baseline
▲ 0.50% · 4.625%
HK$66,430
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,240/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,553
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,311
−HK$1,784/mo
Today · 4.125%
HK$69,095
baseline
▲ 0.50% · 4.625%
HK$72,737
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,190/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,362 · Scale 2, in force from 26 Feb 2026)