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$32,775
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,795
−HK$1,035/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,950
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,462
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,440
−HK$992/mo
Today · 4.125%
HK$38,432
baseline
▲ 0.50% · 4.625%
HK$40,458
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,864/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,330
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,554
−HK$1,243/mo
Today · 4.125%
HK$41,797
baseline
▲ 0.50% · 4.625%
HK$44,340
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,594/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,754
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,928
−HK$1,190/mo
Today · 4.125%
HK$46,118
baseline
▲ 0.50% · 4.625%
HK$48,549
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,236/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,313
−HK$1,450/mo
Today · 4.125%
HK$48,763
baseline
▲ 0.50% · 4.625%
HK$51,730
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,526/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,047
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,416
−HK$1,389/mo
Today · 4.125%
HK$53,805
baseline
▲ 0.50% · 4.625%
HK$56,641
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,610/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,995
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,830
−HK$1,865/mo
Today · 4.125%
HK$62,695
baseline
▲ 0.50% · 4.625%
HK$66,510
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,390/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,632
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,392
−HK$1,786/mo
Today · 4.125%
HK$69,178
baseline
▲ 0.50% · 4.625%
HK$72,824
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,356/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,006 · Scale 2, in force from 26 Feb 2026)