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$32,732
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$1,035/mo
Today · 4.125%
HK$34,785
baseline
▲ 0.50% · 4.625%
HK$36,901
+HK$2,116/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,570/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,414
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,391
−HK$991/mo
Today · 4.125%
HK$38,382
baseline
▲ 0.50% · 4.625%
HK$40,405
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,764/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,279
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,500
−HK$1,242/mo
Today · 4.125%
HK$41,742
baseline
▲ 0.50% · 4.625%
HK$44,282
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,484/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,697
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,869
−HK$1,189/mo
Today · 4.125%
HK$46,058
baseline
▲ 0.50% · 4.625%
HK$48,486
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,116/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,825
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,250
−HK$1,449/mo
Today · 4.125%
HK$48,699
baseline
▲ 0.50% · 4.625%
HK$51,662
+HK$2,963/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,398/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,980
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,347
−HK$1,387/mo
Today · 4.125%
HK$53,734
baseline
▲ 0.50% · 4.625%
HK$56,567
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,468/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,918
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,751
−HK$1,862/mo
Today · 4.125%
HK$62,613
baseline
▲ 0.50% · 4.625%
HK$66,422
+HK$3,809/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,226/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,546
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,303
−HK$1,784/mo
Today · 4.125%
HK$69,087
baseline
▲ 0.50% · 4.625%
HK$72,728
+HK$3,641/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,174/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,298 · Scale 2, in force from 26 Feb 2026)