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$32,761
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,780
−HK$1,036/mo
Today · 4.125%
HK$34,816
baseline
▲ 0.50% · 4.625%
HK$36,934
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,632/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,447
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,424
−HK$992/mo
Today · 4.125%
HK$38,416
baseline
▲ 0.50% · 4.625%
HK$40,441
+HK$2,025/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,832/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,314
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,536
−HK$1,243/mo
Today · 4.125%
HK$41,779
baseline
▲ 0.50% · 4.625%
HK$44,321
+HK$2,542/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,558/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,736
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,909
−HK$1,190/mo
Today · 4.125%
HK$46,099
baseline
▲ 0.50% · 4.625%
HK$48,529
+HK$2,430/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,198/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,866
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,293
−HK$1,449/mo
Today · 4.125%
HK$48,742
baseline
▲ 0.50% · 4.625%
HK$51,708
+HK$2,966/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,484/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,025
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,394
−HK$1,388/mo
Today · 4.125%
HK$53,782
baseline
▲ 0.50% · 4.625%
HK$56,617
+HK$2,835/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,564/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,970
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,805
−HK$1,863/mo
Today · 4.125%
HK$62,668
baseline
▲ 0.50% · 4.625%
HK$66,482
+HK$3,814/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,336/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,604
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,363
−HK$1,785/mo
Today · 4.125%
HK$69,148
baseline
▲ 0.50% · 4.625%
HK$72,793
+HK$3,645/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,296/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,778 · Scale 2, in force from 26 Feb 2026)