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$32,788
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,807
−HK$1,037/mo
Today · 4.125%
HK$34,844
baseline
▲ 0.50% · 4.625%
HK$36,964
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,688/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,476
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,454
−HK$992/mo
Today · 4.125%
HK$38,446
baseline
▲ 0.50% · 4.625%
HK$40,473
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,892/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,345
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,569
−HK$1,243/mo
Today · 4.125%
HK$41,812
baseline
▲ 0.50% · 4.625%
HK$44,356
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,624/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,771
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,945
−HK$1,191/mo
Today · 4.125%
HK$46,136
baseline
▲ 0.50% · 4.625%
HK$48,568
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,272/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,903
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,330
−HK$1,451/mo
Today · 4.125%
HK$48,781
baseline
▲ 0.50% · 4.625%
HK$51,749
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,562/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,066
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,436
−HK$1,389/mo
Today · 4.125%
HK$53,825
baseline
▲ 0.50% · 4.625%
HK$56,662
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,650/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,018
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,853
−HK$1,865/mo
Today · 4.125%
HK$62,718
baseline
▲ 0.50% · 4.625%
HK$66,535
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,436/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,656
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,417
−HK$1,787/mo
Today · 4.125%
HK$69,204
baseline
▲ 0.50% · 4.625%
HK$72,851
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,408/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,208 · Scale 2, in force from 26 Feb 2026)