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$32,743
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,762
−HK$1,034/mo
Today · 4.125%
HK$34,796
baseline
▲ 0.50% · 4.625%
HK$36,914
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,592/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,426
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,403
−HK$991/mo
Today · 4.125%
HK$38,394
baseline
▲ 0.50% · 4.625%
HK$40,418
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,788/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,292
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,514
−HK$1,242/mo
Today · 4.125%
HK$41,756
baseline
▲ 0.50% · 4.625%
HK$44,296
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$83,512/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,712
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,884
−HK$1,189/mo
Today · 4.125%
HK$46,073
baseline
▲ 0.50% · 4.625%
HK$48,502
+HK$2,429/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$92,146/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,840
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,266
−HK$1,449/mo
Today · 4.125%
HK$48,715
baseline
▲ 0.50% · 4.625%
HK$51,679
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,430/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,997
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,365
−HK$1,387/mo
Today · 4.125%
HK$53,752
baseline
▲ 0.50% · 4.625%
HK$56,586
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,504/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,938
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,771
−HK$1,863/mo
Today · 4.125%
HK$62,634
baseline
▲ 0.50% · 4.625%
HK$66,445
+HK$3,811/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,268/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,568
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,326
−HK$1,784/mo
Today · 4.125%
HK$69,110
baseline
▲ 0.50% · 4.625%
HK$72,753
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,220/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,479 · Scale 2, in force from 26 Feb 2026)