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$32,770
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,790
−HK$1,035/mo
Today · 4.125%
HK$34,825
baseline
▲ 0.50% · 4.625%
HK$36,944
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,650/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,457
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,434
−HK$992/mo
Today · 4.125%
HK$38,426
baseline
▲ 0.50% · 4.625%
HK$40,452
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,852/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,324
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,548
−HK$1,242/mo
Today · 4.125%
HK$41,790
baseline
▲ 0.50% · 4.625%
HK$44,333
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,580/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,748
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,921
−HK$1,190/mo
Today · 4.125%
HK$46,111
baseline
▲ 0.50% · 4.625%
HK$48,542
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,222/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,878
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,305
−HK$1,450/mo
Today · 4.125%
HK$48,755
baseline
▲ 0.50% · 4.625%
HK$51,722
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,510/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,039
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,408
−HK$1,389/mo
Today · 4.125%
HK$53,797
baseline
▲ 0.50% · 4.625%
HK$56,632
+HK$2,835/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,594/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,986
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,821
−HK$1,864/mo
Today · 4.125%
HK$62,685
baseline
▲ 0.50% · 4.625%
HK$66,500
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,370/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,622
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,382
−HK$1,785/mo
Today · 4.125%
HK$69,167
baseline
▲ 0.50% · 4.625%
HK$72,813
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,334/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,925 · Scale 2, in force from 26 Feb 2026)