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$32,738
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,757
−HK$1,034/mo
Today · 4.125%
HK$34,791
baseline
▲ 0.50% · 4.625%
HK$36,908
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,582/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,421
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,398
−HK$991/mo
Today · 4.125%
HK$38,389
baseline
▲ 0.50% · 4.625%
HK$40,412
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,778/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,286
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,508
−HK$1,242/mo
Today · 4.125%
HK$41,750
baseline
▲ 0.50% · 4.625%
HK$44,290
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,500/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,705
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,878
−HK$1,189/mo
Today · 4.125%
HK$46,067
baseline
▲ 0.50% · 4.625%
HK$48,495
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,134/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,834
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,259
−HK$1,449/mo
Today · 4.125%
HK$48,708
baseline
▲ 0.50% · 4.625%
HK$51,672
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,416/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,990
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,357
−HK$1,387/mo
Today · 4.125%
HK$53,744
baseline
▲ 0.50% · 4.625%
HK$56,577
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,488/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,929
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,762
−HK$1,863/mo
Today · 4.125%
HK$62,625
baseline
▲ 0.50% · 4.625%
HK$66,435
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,250/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,558
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,316
−HK$1,784/mo
Today · 4.125%
HK$69,100
baseline
▲ 0.50% · 4.625%
HK$72,742
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,200/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,401 · Scale 2, in force from 26 Feb 2026)