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$32,778
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,797
−HK$1,036/mo
Today · 4.125%
HK$34,833
baseline
▲ 0.50% · 4.625%
HK$36,953
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,666/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,465
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,443
−HK$992/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,461
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,333
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,557
−HK$1,243/mo
Today · 4.125%
HK$41,800
baseline
▲ 0.50% · 4.625%
HK$44,343
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,600/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,758
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,931
−HK$1,191/mo
Today · 4.125%
HK$46,122
baseline
▲ 0.50% · 4.625%
HK$48,553
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,244/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,889
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,316
−HK$1,450/mo
Today · 4.125%
HK$48,766
baseline
▲ 0.50% · 4.625%
HK$51,734
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,532/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,051
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,420
−HK$1,389/mo
Today · 4.125%
HK$53,809
baseline
▲ 0.50% · 4.625%
HK$56,645
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,618/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,000
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,835
−HK$1,865/mo
Today · 4.125%
HK$62,700
baseline
▲ 0.50% · 4.625%
HK$66,515
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,400/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,637
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,397
−HK$1,786/mo
Today · 4.125%
HK$69,183
baseline
▲ 0.50% · 4.625%
HK$72,830
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,366/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,048 · Scale 2, in force from 26 Feb 2026)