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$32,740
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,758
−HK$1,035/mo
Today · 4.125%
HK$34,793
baseline
▲ 0.50% · 4.625%
HK$36,910
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,586/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,423
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,400
−HK$991/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,414
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,288
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,510
−HK$1,242/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$44,292
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,708
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,880
−HK$1,189/mo
Today · 4.125%
HK$46,069
baseline
▲ 0.50% · 4.625%
HK$48,497
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,138/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,836
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,262
−HK$1,448/mo
Today · 4.125%
HK$48,710
baseline
▲ 0.50% · 4.625%
HK$51,674
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,420/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,992
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,360
−HK$1,387/mo
Today · 4.125%
HK$53,747
baseline
▲ 0.50% · 4.625%
HK$56,580
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,494/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,932
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,765
−HK$1,863/mo
Today · 4.125%
HK$62,628
baseline
▲ 0.50% · 4.625%
HK$66,438
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,256/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,561
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,320
−HK$1,783/mo
Today · 4.125%
HK$69,103
baseline
▲ 0.50% · 4.625%
HK$72,746
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,206/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,427 · Scale 2, in force from 26 Feb 2026)