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$32,786
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,806
−HK$1,036/mo
Today · 4.125%
HK$34,842
baseline
▲ 0.50% · 4.625%
HK$36,962
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,684/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,474
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,452
−HK$992/mo
Today · 4.125%
HK$38,444
baseline
▲ 0.50% · 4.625%
HK$40,471
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,888/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,343
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,567
−HK$1,243/mo
Today · 4.125%
HK$41,810
baseline
▲ 0.50% · 4.625%
HK$44,354
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,620/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,769
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,943
−HK$1,190/mo
Today · 4.125%
HK$46,133
baseline
▲ 0.50% · 4.625%
HK$48,565
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,266/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,900
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,328
−HK$1,450/mo
Today · 4.125%
HK$48,778
baseline
▲ 0.50% · 4.625%
HK$51,747
+HK$2,969/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,556/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,063
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,433
−HK$1,389/mo
Today · 4.125%
HK$53,822
baseline
▲ 0.50% · 4.625%
HK$56,659
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,644/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,014
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,850
−HK$1,865/mo
Today · 4.125%
HK$62,715
baseline
▲ 0.50% · 4.625%
HK$66,531
+HK$3,816/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,430/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,653
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,414
−HK$1,786/mo
Today · 4.125%
HK$69,200
baseline
▲ 0.50% · 4.625%
HK$72,848
+HK$3,648/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,400/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,180 · Scale 2, in force from 26 Feb 2026)