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$32,782
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$1,036/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,470
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,448
−HK$992/mo
Today · 4.125%
HK$38,440
baseline
▲ 0.50% · 4.625%
HK$40,467
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,880/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,339
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,562
−HK$1,244/mo
Today · 4.125%
HK$41,806
baseline
▲ 0.50% · 4.625%
HK$44,349
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,612/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,764
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,938
−HK$1,190/mo
Today · 4.125%
HK$46,128
baseline
▲ 0.50% · 4.625%
HK$48,560
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,256/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,895
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,323
−HK$1,450/mo
Today · 4.125%
HK$48,773
baseline
▲ 0.50% · 4.625%
HK$51,741
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,546/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,058
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,427
−HK$1,390/mo
Today · 4.125%
HK$53,817
baseline
▲ 0.50% · 4.625%
HK$56,653
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,634/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,008
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,844
−HK$1,865/mo
Today · 4.125%
HK$62,709
baseline
▲ 0.50% · 4.625%
HK$66,524
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,418/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,646
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,407
−HK$1,786/mo
Today · 4.125%
HK$69,193
baseline
▲ 0.50% · 4.625%
HK$72,840
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,386/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,123 · Scale 2, in force from 26 Feb 2026)