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$32,784
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$1,037/mo
Today · 4.125%
HK$34,840
baseline
▲ 0.50% · 4.625%
HK$36,959
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,680/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,472
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,450
−HK$992/mo
Today · 4.125%
HK$38,442
baseline
▲ 0.50% · 4.625%
HK$40,468
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,884/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,340
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,564
−HK$1,243/mo
Today · 4.125%
HK$41,807
baseline
▲ 0.50% · 4.625%
HK$44,351
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,614/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,766
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,940
−HK$1,190/mo
Today · 4.125%
HK$46,130
baseline
▲ 0.50% · 4.625%
HK$48,562
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,260/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,897
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,325
−HK$1,450/mo
Today · 4.125%
HK$48,775
baseline
▲ 0.50% · 4.625%
HK$51,743
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,550/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,060
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,430
−HK$1,389/mo
Today · 4.125%
HK$53,819
baseline
▲ 0.50% · 4.625%
HK$56,656
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,638/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,011
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,846
−HK$1,865/mo
Today · 4.125%
HK$62,711
baseline
▲ 0.50% · 4.625%
HK$66,527
+HK$3,816/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,422/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,649
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,409
−HK$1,787/mo
Today · 4.125%
HK$69,196
baseline
▲ 0.50% · 4.625%
HK$72,843
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,392/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,146 · Scale 2, in force from 26 Feb 2026)