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$32,737
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,755
−HK$1,035/mo
Today · 4.125%
HK$34,790
baseline
▲ 0.50% · 4.625%
HK$36,907
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,580/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,420
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,396
−HK$991/mo
Today · 4.125%
HK$38,387
baseline
▲ 0.50% · 4.625%
HK$40,411
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,774/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,284
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,506
−HK$1,242/mo
Today · 4.125%
HK$41,748
baseline
▲ 0.50% · 4.625%
HK$44,288
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,496/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,704
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,876
−HK$1,189/mo
Today · 4.125%
HK$46,065
baseline
▲ 0.50% · 4.625%
HK$48,493
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,130/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,832
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,258
−HK$1,448/mo
Today · 4.125%
HK$48,706
baseline
▲ 0.50% · 4.625%
HK$51,670
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,412/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,988
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,355
−HK$1,387/mo
Today · 4.125%
HK$53,742
baseline
▲ 0.50% · 4.625%
HK$56,575
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,484/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,927
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,760
−HK$1,862/mo
Today · 4.125%
HK$62,622
baseline
▲ 0.50% · 4.625%
HK$66,432
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,244/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,555
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,314
−HK$1,783/mo
Today · 4.125%
HK$69,097
baseline
▲ 0.50% · 4.625%
HK$72,739
+HK$3,642/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,194/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,379 · Scale 2, in force from 26 Feb 2026)