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$32,808
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$1,036/mo
Today · 4.125%
HK$34,865
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$2,122/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,730/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,478
−HK$993/mo
Today · 4.125%
HK$38,471
baseline
▲ 0.50% · 4.625%
HK$40,498
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,942/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,594
−HK$1,245/mo
Today · 4.125%
HK$41,839
baseline
▲ 0.50% · 4.625%
HK$44,384
+HK$2,545/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,678/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,798
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,973
−HK$1,192/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,598
+HK$2,433/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,931
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,452/mo
Today · 4.125%
HK$48,812
baseline
▲ 0.50% · 4.625%
HK$51,782
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,624/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,098
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,469
−HK$1,390/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,055
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,891
−HK$1,867/mo
Today · 4.125%
HK$62,758
baseline
▲ 0.50% · 4.625%
HK$66,576
+HK$3,818/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,516/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,698
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,460
−HK$1,787/mo
Today · 4.125%
HK$69,247
baseline
▲ 0.50% · 4.625%
HK$72,897
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,494/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,546 · Scale 2, in force from 26 Feb 2026)