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$32,802
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,823
−HK$1,036/mo
Today · 4.125%
HK$34,859
baseline
▲ 0.50% · 4.625%
HK$36,980
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,718/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,492
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,471
−HK$993/mo
Today · 4.125%
HK$38,464
baseline
▲ 0.50% · 4.625%
HK$40,491
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,928/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,363
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,587
−HK$1,244/mo
Today · 4.125%
HK$41,831
baseline
▲ 0.50% · 4.625%
HK$44,376
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,662/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,791
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,965
−HK$1,191/mo
Today · 4.125%
HK$46,156
baseline
▲ 0.50% · 4.625%
HK$48,589
+HK$2,433/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,312/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,923
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,352
−HK$1,451/mo
Today · 4.125%
HK$48,803
baseline
▲ 0.50% · 4.625%
HK$51,772
+HK$2,969/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,606/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,089
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,459
−HK$1,390/mo
Today · 4.125%
HK$53,849
baseline
▲ 0.50% · 4.625%
HK$56,688
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,698/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,044
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,881
−HK$1,866/mo
Today · 4.125%
HK$62,747
baseline
▲ 0.50% · 4.625%
HK$66,564
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,494/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,686
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,447
−HK$1,788/mo
Today · 4.125%
HK$69,235
baseline
▲ 0.50% · 4.625%
HK$72,884
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,470/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,449 · Scale 2, in force from 26 Feb 2026)