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$32,792
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,812
−HK$1,036/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,969
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,481
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,459
−HK$993/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,478
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,350
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,574
−HK$1,244/mo
Today · 4.125%
HK$41,818
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,636/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,777
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,951
−HK$1,191/mo
Today · 4.125%
HK$46,142
baseline
▲ 0.50% · 4.625%
HK$48,574
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,284/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,909
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,337
−HK$1,451/mo
Today · 4.125%
HK$48,788
baseline
▲ 0.50% · 4.625%
HK$51,756
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,576/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,073
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,443
−HK$1,389/mo
Today · 4.125%
HK$53,832
baseline
▲ 0.50% · 4.625%
HK$56,670
+HK$2,838/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,664/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,025
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,861
−HK$1,866/mo
Today · 4.125%
HK$62,727
baseline
▲ 0.50% · 4.625%
HK$66,544
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,454/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,665
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,426
−HK$1,787/mo
Today · 4.125%
HK$69,213
baseline
▲ 0.50% · 4.625%
HK$72,861
+HK$3,648/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,426/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,280 · Scale 2, in force from 26 Feb 2026)