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$32,751
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$1,035/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,435
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$991/mo
Today · 4.125%
HK$38,403
baseline
▲ 0.50% · 4.625%
HK$40,427
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,806/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,523
−HK$1,242/mo
Today · 4.125%
HK$41,765
baseline
▲ 0.50% · 4.625%
HK$44,306
+HK$2,541/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,530/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,722
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,894
−HK$1,190/mo
Today · 4.125%
HK$46,084
baseline
▲ 0.50% · 4.625%
HK$48,513
+HK$2,429/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,168/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,851
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,449/mo
Today · 4.125%
HK$48,726
baseline
▲ 0.50% · 4.625%
HK$51,691
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,452/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,009
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,377
−HK$1,387/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$56,598
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,951
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,785
−HK$1,863/mo
Today · 4.125%
HK$62,648
baseline
▲ 0.50% · 4.625%
HK$66,460
+HK$3,812/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,296/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,582
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,341
−HK$1,785/mo
Today · 4.125%
HK$69,126
baseline
▲ 0.50% · 4.625%
HK$72,769
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,252/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,600 · Scale 2, in force from 26 Feb 2026)