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$32,734
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,753
−HK$1,034/mo
Today · 4.125%
HK$34,787
baseline
▲ 0.50% · 4.625%
HK$36,904
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,574/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,417
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,393
−HK$991/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,408
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,768/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,281
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,503
−HK$1,242/mo
Today · 4.125%
HK$41,745
baseline
▲ 0.50% · 4.625%
HK$44,285
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,490/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,700
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,872
−HK$1,189/mo
Today · 4.125%
HK$46,061
baseline
▲ 0.50% · 4.625%
HK$48,489
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,122/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,828
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,254
−HK$1,448/mo
Today · 4.125%
HK$48,702
baseline
▲ 0.50% · 4.625%
HK$51,665
+HK$2,963/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,404/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,983
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,351
−HK$1,387/mo
Today · 4.125%
HK$53,738
baseline
▲ 0.50% · 4.625%
HK$56,571
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,476/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,922
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,755
−HK$1,862/mo
Today · 4.125%
HK$62,617
baseline
▲ 0.50% · 4.625%
HK$66,427
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,234/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,550
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,308
−HK$1,784/mo
Today · 4.125%
HK$69,092
baseline
▲ 0.50% · 4.625%
HK$72,734
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,184/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,335 · Scale 2, in force from 26 Feb 2026)