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$32,724
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$1,035/mo
Today · 4.125%
HK$34,776
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$2,116/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,552/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,405
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$990/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,394
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,268
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,490
−HK$1,241/mo
Today · 4.125%
HK$41,731
baseline
▲ 0.50% · 4.625%
HK$44,270
+HK$2,539/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,462/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,686
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,857
−HK$1,189/mo
Today · 4.125%
HK$46,046
baseline
▲ 0.50% · 4.625%
HK$48,473
+HK$2,427/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,092/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,813
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,238
−HK$1,448/mo
Today · 4.125%
HK$48,686
baseline
▲ 0.50% · 4.625%
HK$51,648
+HK$2,962/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,372/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,966
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,333
−HK$1,387/mo
Today · 4.125%
HK$53,720
baseline
▲ 0.50% · 4.625%
HK$56,552
+HK$2,832/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,440/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,902
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,735
−HK$1,861/mo
Today · 4.125%
HK$62,596
baseline
▲ 0.50% · 4.625%
HK$66,405
+HK$3,809/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,192/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,528
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,286
−HK$1,783/mo
Today · 4.125%
HK$69,069
baseline
▲ 0.50% · 4.625%
HK$72,709
+HK$3,640/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,138/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,156 · Scale 2, in force from 26 Feb 2026)