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$32,806
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$1,037/mo
Today · 4.125%
HK$34,864
baseline
▲ 0.50% · 4.625%
HK$36,985
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,728/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,497
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,475
−HK$993/mo
Today · 4.125%
HK$38,468
baseline
▲ 0.50% · 4.625%
HK$40,496
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,936/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,368
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,592
−HK$1,244/mo
Today · 4.125%
HK$41,836
baseline
▲ 0.50% · 4.625%
HK$44,382
+HK$2,546/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,672/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,796
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,971
−HK$1,191/mo
Today · 4.125%
HK$46,162
baseline
▲ 0.50% · 4.625%
HK$48,595
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,324/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,929
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,357
−HK$1,452/mo
Today · 4.125%
HK$48,809
baseline
▲ 0.50% · 4.625%
HK$51,779
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,618/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,095
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,466
−HK$1,390/mo
Today · 4.125%
HK$53,856
baseline
▲ 0.50% · 4.625%
HK$56,695
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,712/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,051
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,888
−HK$1,866/mo
Today · 4.125%
HK$62,754
baseline
▲ 0.50% · 4.625%
HK$66,573
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,508/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,694
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,456
−HK$1,787/mo
Today · 4.125%
HK$69,243
baseline
▲ 0.50% · 4.625%
HK$72,893
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,486/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,517 · Scale 2, in force from 26 Feb 2026)