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$32,795
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$1,036/mo
Today · 4.125%
HK$34,851
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,702/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,484
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,463
−HK$992/mo
Today · 4.125%
HK$38,455
baseline
▲ 0.50% · 4.625%
HK$40,482
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,910/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,354
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,578
−HK$1,244/mo
Today · 4.125%
HK$41,822
baseline
▲ 0.50% · 4.625%
HK$44,367
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,644/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,781
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,191/mo
Today · 4.125%
HK$46,146
baseline
▲ 0.50% · 4.625%
HK$48,579
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,292/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,913
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,341
−HK$1,451/mo
Today · 4.125%
HK$48,792
baseline
▲ 0.50% · 4.625%
HK$51,761
+HK$2,969/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,584/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,078
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,389/mo
Today · 4.125%
HK$53,837
baseline
▲ 0.50% · 4.625%
HK$56,675
+HK$2,838/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,674/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,031
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,867
−HK$1,866/mo
Today · 4.125%
HK$62,733
baseline
▲ 0.50% · 4.625%
HK$66,550
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,466/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,671
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,433
−HK$1,786/mo
Today · 4.125%
HK$69,219
baseline
▲ 0.50% · 4.625%
HK$72,868
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,438/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,330 · Scale 2, in force from 26 Feb 2026)