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$32,719
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,737
−HK$1,034/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,887
+HK$2,116/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,400
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,376
−HK$990/mo
Today · 4.125%
HK$38,366
baseline
▲ 0.50% · 4.625%
HK$40,389
+HK$2,023/mo
Deposit HK$7.17M · loan HK$7.17M · min. income ≈ HK$76,732/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,263
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,484
−HK$1,241/mo
Today · 4.125%
HK$41,725
baseline
▲ 0.50% · 4.625%
HK$44,264
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,450/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,680
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,851
−HK$1,188/mo
Today · 4.125%
HK$46,039
baseline
▲ 0.50% · 4.625%
HK$48,466
+HK$2,427/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,078/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,807
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,232
−HK$1,447/mo
Today · 4.125%
HK$48,679
baseline
▲ 0.50% · 4.625%
HK$51,641
+HK$2,962/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$97,358/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,960
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,326
−HK$1,387/mo
Today · 4.125%
HK$53,713
baseline
▲ 0.50% · 4.625%
HK$56,544
+HK$2,831/mo
Deposit HK$4.30M · loan HK$10.04M · min. income ≈ HK$107,426/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,894
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,726
−HK$1,862/mo
Today · 4.125%
HK$62,588
baseline
▲ 0.50% · 4.625%
HK$66,396
+HK$3,808/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$125,176/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,519
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,277
−HK$1,782/mo
Today · 4.125%
HK$69,059
baseline
▲ 0.50% · 4.625%
HK$72,699
+HK$3,640/mo
Deposit HK$1.43M · loan HK$12.91M · min. income ≈ HK$138,118/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,083 · Scale 2, in force from 26 Feb 2026)