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$32,741
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,759
−HK$1,035/mo
Today · 4.125%
HK$34,794
baseline
▲ 0.50% · 4.625%
HK$36,911
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,588/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,424
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,400
−HK$991/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,415
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,289
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,511
−HK$1,241/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$44,293
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,708
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,881
−HK$1,189/mo
Today · 4.125%
HK$46,070
baseline
▲ 0.50% · 4.625%
HK$48,498
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,140/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,837
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,263
−HK$1,448/mo
Today · 4.125%
HK$48,711
baseline
▲ 0.50% · 4.625%
HK$51,675
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,422/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,993
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,361
−HK$1,387/mo
Today · 4.125%
HK$53,748
baseline
▲ 0.50% · 4.625%
HK$56,581
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,496/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,933
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,766
−HK$1,863/mo
Today · 4.125%
HK$62,629
baseline
▲ 0.50% · 4.625%
HK$66,440
+HK$3,811/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,258/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,562
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,321
−HK$1,784/mo
Today · 4.125%
HK$69,105
baseline
▲ 0.50% · 4.625%
HK$72,747
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,210/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,437 · Scale 2, in force from 26 Feb 2026)