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$32,773
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,792
−HK$1,036/mo
Today · 4.125%
HK$34,828
baseline
▲ 0.50% · 4.625%
HK$36,947
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,656/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$538,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,460
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,437
−HK$992/mo
Today · 4.125%
HK$38,429
baseline
▲ 0.50% · 4.625%
HK$40,455
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,858/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$538,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,328
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,243/mo
Today · 4.125%
HK$41,794
baseline
▲ 0.50% · 4.625%
HK$44,337
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,588/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,752
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,925
−HK$1,190/mo
Today · 4.125%
HK$46,115
baseline
▲ 0.50% · 4.625%
HK$48,546
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,230/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,882
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,309
−HK$1,450/mo
Today · 4.125%
HK$48,759
baseline
▲ 0.50% · 4.625%
HK$51,726
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,518/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,043
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,412
−HK$1,389/mo
Today · 4.125%
HK$53,801
baseline
▲ 0.50% · 4.625%
HK$56,637
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,602/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,991
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,826
−HK$1,865/mo
Today · 4.125%
HK$62,691
baseline
▲ 0.50% · 4.625%
HK$66,505
+HK$3,814/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,382/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,627
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,387
−HK$1,786/mo
Today · 4.125%
HK$69,173
baseline
▲ 0.50% · 4.625%
HK$72,819
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,346/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,969 · Scale 2, in force from 26 Feb 2026)