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$32,754
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,773
−HK$1,035/mo
Today · 4.125%
HK$34,808
baseline
▲ 0.50% · 4.625%
HK$36,926
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,616/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,439
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$991/mo
Today · 4.125%
HK$38,407
baseline
▲ 0.50% · 4.625%
HK$40,432
+HK$2,025/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,814/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,305
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,527
−HK$1,243/mo
Today · 4.125%
HK$41,770
baseline
▲ 0.50% · 4.625%
HK$44,311
+HK$2,541/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,540/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,726
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,899
−HK$1,190/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,518
+HK$2,429/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,856
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,282
−HK$1,449/mo
Today · 4.125%
HK$48,731
baseline
▲ 0.50% · 4.625%
HK$51,696
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,462/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,014
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,382
−HK$1,388/mo
Today · 4.125%
HK$53,770
baseline
▲ 0.50% · 4.625%
HK$56,604
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,540/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,957
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,791
−HK$1,863/mo
Today · 4.125%
HK$62,654
baseline
▲ 0.50% · 4.625%
HK$66,467
+HK$3,813/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,308/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,589
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,349
−HK$1,784/mo
Today · 4.125%
HK$69,133
baseline
▲ 0.50% · 4.625%
HK$72,777
+HK$3,644/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,266/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,658 · Scale 2, in force from 26 Feb 2026)