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$32,744
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$1,034/mo
Today · 4.125%
HK$34,797
baseline
▲ 0.50% · 4.625%
HK$36,915
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,594/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,427
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,404
−HK$991/mo
Today · 4.125%
HK$38,395
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,790/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,293
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,515
−HK$1,242/mo
Today · 4.125%
HK$41,757
baseline
▲ 0.50% · 4.625%
HK$44,298
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$83,514/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,713
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,885
−HK$1,190/mo
Today · 4.125%
HK$46,075
baseline
▲ 0.50% · 4.625%
HK$48,503
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$92,150/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,842
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,268
−HK$1,448/mo
Today · 4.125%
HK$48,716
baseline
▲ 0.50% · 4.625%
HK$51,681
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,432/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,998
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,366
−HK$1,388/mo
Today · 4.125%
HK$53,754
baseline
▲ 0.50% · 4.625%
HK$56,587
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,508/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,939
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,773
−HK$1,862/mo
Today · 4.125%
HK$62,635
baseline
▲ 0.50% · 4.625%
HK$66,446
+HK$3,811/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,270/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,569
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,328
−HK$1,784/mo
Today · 4.125%
HK$69,112
baseline
▲ 0.50% · 4.625%
HK$72,755
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,224/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,493 · Scale 2, in force from 26 Feb 2026)