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$32,750
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$1,035/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,434
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,411
−HK$992/mo
Today · 4.125%
HK$38,403
baseline
▲ 0.50% · 4.625%
HK$40,427
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,806/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,300
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,523
−HK$1,242/mo
Today · 4.125%
HK$41,765
baseline
▲ 0.50% · 4.625%
HK$44,306
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$83,530/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,721
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,894
−HK$1,189/mo
Today · 4.125%
HK$46,083
baseline
▲ 0.50% · 4.625%
HK$48,512
+HK$2,429/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$92,166/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,850
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,276
−HK$1,449/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,690
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,008
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,376
−HK$1,388/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$56,598
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,950
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,784
−HK$1,863/mo
Today · 4.125%
HK$62,647
baseline
▲ 0.50% · 4.625%
HK$66,459
+HK$3,812/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,294/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,582
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,340
−HK$1,785/mo
Today · 4.125%
HK$69,125
baseline
▲ 0.50% · 4.625%
HK$72,768
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,250/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,593 · Scale 2, in force from 26 Feb 2026)