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$32,741
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$1,034/mo
Today · 4.125%
HK$34,794
baseline
▲ 0.50% · 4.625%
HK$36,911
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,588/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,424
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,401
−HK$991/mo
Today · 4.125%
HK$38,392
baseline
▲ 0.50% · 4.625%
HK$40,416
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,784/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,289
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,241/mo
Today · 4.125%
HK$41,753
baseline
▲ 0.50% · 4.625%
HK$44,294
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$83,506/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,709
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,881
−HK$1,190/mo
Today · 4.125%
HK$46,071
baseline
▲ 0.50% · 4.625%
HK$48,499
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$92,142/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,838
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,263
−HK$1,449/mo
Today · 4.125%
HK$48,712
baseline
▲ 0.50% · 4.625%
HK$51,676
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,424/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,994
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,362
−HK$1,387/mo
Today · 4.125%
HK$53,749
baseline
▲ 0.50% · 4.625%
HK$56,582
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,498/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,934
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,767
−HK$1,863/mo
Today · 4.125%
HK$62,630
baseline
▲ 0.50% · 4.625%
HK$66,441
+HK$3,811/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,260/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,564
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,322
−HK$1,784/mo
Today · 4.125%
HK$69,106
baseline
▲ 0.50% · 4.625%
HK$72,748
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,212/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,446 · Scale 2, in force from 26 Feb 2026)