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$32,769
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,788
−HK$1,036/mo
Today · 4.125%
HK$34,824
baseline
▲ 0.50% · 4.625%
HK$36,943
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,648/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,455
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,433
−HK$992/mo
Today · 4.125%
HK$38,425
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,025/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,850/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,323
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,546
−HK$1,243/mo
Today · 4.125%
HK$41,789
baseline
▲ 0.50% · 4.625%
HK$44,331
+HK$2,542/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,578/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,746
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,919
−HK$1,191/mo
Today · 4.125%
HK$46,110
baseline
▲ 0.50% · 4.625%
HK$48,540
+HK$2,430/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,220/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,876
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,303
−HK$1,450/mo
Today · 4.125%
HK$48,753
baseline
▲ 0.50% · 4.625%
HK$51,720
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,506/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,037
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,406
−HK$1,388/mo
Today · 4.125%
HK$53,794
baseline
▲ 0.50% · 4.625%
HK$56,630
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,588/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,984
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,819
−HK$1,864/mo
Today · 4.125%
HK$62,683
baseline
▲ 0.50% · 4.625%
HK$66,497
+HK$3,814/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,366/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,619
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,379
−HK$1,785/mo
Today · 4.125%
HK$69,164
baseline
▲ 0.50% · 4.625%
HK$72,810
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,328/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,902 · Scale 2, in force from 26 Feb 2026)