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$32,803
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,823
−HK$1,037/mo
Today · 4.125%
HK$34,860
baseline
▲ 0.50% · 4.625%
HK$36,981
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,720/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,493
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,472
−HK$993/mo
Today · 4.125%
HK$38,465
baseline
▲ 0.50% · 4.625%
HK$40,492
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,930/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,364
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,588
−HK$1,244/mo
Today · 4.125%
HK$41,832
baseline
▲ 0.50% · 4.625%
HK$44,378
+HK$2,546/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,664/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,792
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,966
−HK$1,192/mo
Today · 4.125%
HK$46,158
baseline
▲ 0.50% · 4.625%
HK$48,591
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,316/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,924
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,353
−HK$1,451/mo
Today · 4.125%
HK$48,804
baseline
▲ 0.50% · 4.625%
HK$51,774
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,608/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,090
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,461
−HK$1,390/mo
Today · 4.125%
HK$53,851
baseline
▲ 0.50% · 4.625%
HK$56,689
+HK$2,838/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,702/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,046
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,882
−HK$1,866/mo
Today · 4.125%
HK$62,748
baseline
▲ 0.50% · 4.625%
HK$66,566
+HK$3,818/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,496/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,688
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,449
−HK$1,787/mo
Today · 4.125%
HK$69,236
baseline
▲ 0.50% · 4.625%
HK$72,886
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,472/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,464 · Scale 2, in force from 26 Feb 2026)