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$32,723
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$1,034/mo
Today · 4.125%
HK$34,775
baseline
▲ 0.50% · 4.625%
HK$36,891
+HK$2,116/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,550/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,404
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$990/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,394
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,268
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,489
−HK$1,241/mo
Today · 4.125%
HK$41,730
baseline
▲ 0.50% · 4.625%
HK$44,269
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,460/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,685
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,857
−HK$1,188/mo
Today · 4.125%
HK$46,045
baseline
▲ 0.50% · 4.625%
HK$48,472
+HK$2,427/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,090/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,812
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,237
−HK$1,448/mo
Today · 4.125%
HK$48,685
baseline
▲ 0.50% · 4.625%
HK$51,648
+HK$2,963/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,370/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,966
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,333
−HK$1,386/mo
Today · 4.125%
HK$53,719
baseline
▲ 0.50% · 4.625%
HK$56,551
+HK$2,832/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,438/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,902
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,734
−HK$1,861/mo
Today · 4.125%
HK$62,595
baseline
▲ 0.50% · 4.625%
HK$66,404
+HK$3,809/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,190/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,527
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,285
−HK$1,783/mo
Today · 4.125%
HK$69,068
baseline
▲ 0.50% · 4.625%
HK$72,708
+HK$3,640/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,136/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,149 · Scale 2, in force from 26 Feb 2026)