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$32,810
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,831
−HK$1,037/mo
Today · 4.125%
HK$34,868
baseline
▲ 0.50% · 4.625%
HK$36,989
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,736/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,501
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,480
−HK$993/mo
Today · 4.125%
HK$38,473
baseline
▲ 0.50% · 4.625%
HK$40,501
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,946/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,372
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,597
−HK$1,244/mo
Today · 4.125%
HK$41,841
baseline
▲ 0.50% · 4.625%
HK$44,387
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,682/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,801
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,976
−HK$1,192/mo
Today · 4.125%
HK$46,168
baseline
▲ 0.50% · 4.625%
HK$48,601
+HK$2,433/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,336/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,935
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,363
−HK$1,452/mo
Today · 4.125%
HK$48,815
baseline
▲ 0.50% · 4.625%
HK$51,785
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,630/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,102
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,472
−HK$1,391/mo
Today · 4.125%
HK$53,863
baseline
▲ 0.50% · 4.625%
HK$56,702
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,726/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,059
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,896
−HK$1,866/mo
Today · 4.125%
HK$62,762
baseline
▲ 0.50% · 4.625%
HK$66,581
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,524/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,702
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,464
−HK$1,788/mo
Today · 4.125%
HK$69,252
baseline
▲ 0.50% · 4.625%
HK$72,902
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,504/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,584 · Scale 2, in force from 26 Feb 2026)