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$32,735
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,754
−HK$1,034/mo
Today · 4.125%
HK$34,788
baseline
▲ 0.50% · 4.625%
HK$36,905
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,576/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,418
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,395
−HK$990/mo
Today · 4.125%
HK$38,385
baseline
▲ 0.50% · 4.625%
HK$40,409
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,770/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,282
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,504
−HK$1,242/mo
Today · 4.125%
HK$41,746
baseline
▲ 0.50% · 4.625%
HK$44,286
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,492/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,701
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,873
−HK$1,189/mo
Today · 4.125%
HK$46,062
baseline
▲ 0.50% · 4.625%
HK$48,490
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,124/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,830
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,255
−HK$1,448/mo
Today · 4.125%
HK$48,703
baseline
▲ 0.50% · 4.625%
HK$51,667
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,406/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,985
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,352
−HK$1,387/mo
Today · 4.125%
HK$53,739
baseline
▲ 0.50% · 4.625%
HK$56,572
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,478/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,924
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,757
−HK$1,862/mo
Today · 4.125%
HK$62,619
baseline
▲ 0.50% · 4.625%
HK$66,429
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,238/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,552
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,310
−HK$1,784/mo
Today · 4.125%
HK$69,094
baseline
▲ 0.50% · 4.625%
HK$72,736
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,188/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,351 · Scale 2, in force from 26 Feb 2026)