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$32,739
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,757
−HK$1,035/mo
Today · 4.125%
HK$34,792
baseline
▲ 0.50% · 4.625%
HK$36,909
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,584/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,422
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,399
−HK$991/mo
Today · 4.125%
HK$38,390
baseline
▲ 0.50% · 4.625%
HK$40,413
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,780/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,287
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,509
−HK$1,241/mo
Today · 4.125%
HK$41,750
baseline
▲ 0.50% · 4.625%
HK$44,291
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,500/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,706
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,878
−HK$1,190/mo
Today · 4.125%
HK$46,068
baseline
▲ 0.50% · 4.625%
HK$48,496
+HK$2,428/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,136/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,835
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,260
−HK$1,449/mo
Today · 4.125%
HK$48,709
baseline
▲ 0.50% · 4.625%
HK$51,673
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,418/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,991
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,358
−HK$1,387/mo
Today · 4.125%
HK$53,745
baseline
▲ 0.50% · 4.625%
HK$56,578
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,490/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,930
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,763
−HK$1,863/mo
Today · 4.125%
HK$62,626
baseline
▲ 0.50% · 4.625%
HK$66,436
+HK$3,810/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,252/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,559
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,318
−HK$1,783/mo
Today · 4.125%
HK$69,101
baseline
▲ 0.50% · 4.625%
HK$72,744
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,202/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,411 · Scale 2, in force from 26 Feb 2026)