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$32,768
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,787
−HK$1,036/mo
Today · 4.125%
HK$34,823
baseline
▲ 0.50% · 4.625%
HK$36,942
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,646/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,454
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,432
−HK$992/mo
Today · 4.125%
HK$38,424
baseline
▲ 0.50% · 4.625%
HK$40,449
+HK$2,025/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,848/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,322
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,545
−HK$1,242/mo
Today · 4.125%
HK$41,787
baseline
▲ 0.50% · 4.625%
HK$44,330
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,574/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,745
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,918
−HK$1,190/mo
Today · 4.125%
HK$46,108
baseline
▲ 0.50% · 4.625%
HK$48,539
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,216/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,875
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,302
−HK$1,450/mo
Today · 4.125%
HK$48,752
baseline
▲ 0.50% · 4.625%
HK$51,718
+HK$2,966/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,504/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,036
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,404
−HK$1,389/mo
Today · 4.125%
HK$53,793
baseline
▲ 0.50% · 4.625%
HK$56,628
+HK$2,835/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,586/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,982
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,817
−HK$1,864/mo
Today · 4.125%
HK$62,681
baseline
▲ 0.50% · 4.625%
HK$66,495
+HK$3,814/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,362/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,617
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,377
−HK$1,785/mo
Today · 4.125%
HK$69,162
baseline
▲ 0.50% · 4.625%
HK$72,808
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,324/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,886 · Scale 2, in force from 26 Feb 2026)