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$32,812
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$1,037/mo
Today · 4.125%
HK$34,870
baseline
▲ 0.50% · 4.625%
HK$36,992
+HK$2,122/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,740/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,503
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,482
−HK$994/mo
Today · 4.125%
HK$38,476
baseline
▲ 0.50% · 4.625%
HK$40,504
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,952/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,375
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,600
−HK$1,244/mo
Today · 4.125%
HK$41,844
baseline
▲ 0.50% · 4.625%
HK$44,390
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,688/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,804
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,979
−HK$1,192/mo
Today · 4.125%
HK$46,171
baseline
▲ 0.50% · 4.625%
HK$48,604
+HK$2,433/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,342/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,937
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,366
−HK$1,452/mo
Today · 4.125%
HK$48,818
baseline
▲ 0.50% · 4.625%
HK$51,788
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,636/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,105
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,475
−HK$1,391/mo
Today · 4.125%
HK$53,866
baseline
▲ 0.50% · 4.625%
HK$56,705
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,732/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,062
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,899
−HK$1,867/mo
Today · 4.125%
HK$62,766
baseline
▲ 0.50% · 4.625%
HK$66,585
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,532/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,706
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,468
−HK$1,788/mo
Today · 4.125%
HK$69,256
baseline
▲ 0.50% · 4.625%
HK$72,907
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,512/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,617 · Scale 2, in force from 26 Feb 2026)