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$32,808
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$1,037/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,478
−HK$993/mo
Today · 4.125%
HK$38,471
baseline
▲ 0.50% · 4.625%
HK$40,499
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,942/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,595
−HK$1,244/mo
Today · 4.125%
HK$41,839
baseline
▲ 0.50% · 4.625%
HK$44,385
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,678/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,799
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,973
−HK$1,192/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,598
+HK$2,433/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,932
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,452/mo
Today · 4.125%
HK$48,812
baseline
▲ 0.50% · 4.625%
HK$51,782
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,624/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,099
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,469
−HK$1,390/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,055
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,892
−HK$1,866/mo
Today · 4.125%
HK$62,758
baseline
▲ 0.50% · 4.625%
HK$66,577
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,516/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,698
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,460
−HK$1,788/mo
Today · 4.125%
HK$69,248
baseline
▲ 0.50% · 4.625%
HK$72,898
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,496/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,551 · Scale 2, in force from 26 Feb 2026)