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$32,791
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$1,037/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,968
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,480
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,458
−HK$993/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,478
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,350
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,574
−HK$1,243/mo
Today · 4.125%
HK$41,817
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,634/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,776
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,950
−HK$1,191/mo
Today · 4.125%
HK$46,141
baseline
▲ 0.50% · 4.625%
HK$48,573
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,282/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,908
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,451/mo
Today · 4.125%
HK$48,787
baseline
▲ 0.50% · 4.625%
HK$51,755
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,574/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,072
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,442
−HK$1,389/mo
Today · 4.125%
HK$53,831
baseline
▲ 0.50% · 4.625%
HK$56,669
+HK$2,838/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,662/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,024
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,860
−HK$1,866/mo
Today · 4.125%
HK$62,726
baseline
▲ 0.50% · 4.625%
HK$66,543
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,452/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,664
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,425
−HK$1,787/mo
Today · 4.125%
HK$69,212
baseline
▲ 0.50% · 4.625%
HK$72,860
+HK$3,648/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,424/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,272 · Scale 2, in force from 26 Feb 2026)