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$32,748
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,766
−HK$1,035/mo
Today · 4.125%
HK$34,801
baseline
▲ 0.50% · 4.625%
HK$36,919
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,602/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,432
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$991/mo
Today · 4.125%
HK$38,400
baseline
▲ 0.50% · 4.625%
HK$40,424
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,800/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,297
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,520
−HK$1,242/mo
Today · 4.125%
HK$41,762
baseline
▲ 0.50% · 4.625%
HK$44,303
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$83,524/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,718
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,890
−HK$1,190/mo
Today · 4.125%
HK$46,080
baseline
▲ 0.50% · 4.625%
HK$48,509
+HK$2,429/mo
Deposit HK$5.74M · loan HK$8.62M · min. income ≈ HK$92,160/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,847
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,273
−HK$1,449/mo
Today · 4.125%
HK$48,722
baseline
▲ 0.50% · 4.625%
HK$51,687
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,444/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,004
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,372
−HK$1,388/mo
Today · 4.125%
HK$53,760
baseline
▲ 0.50% · 4.625%
HK$56,594
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,520/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,946
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,780
−HK$1,863/mo
Today · 4.125%
HK$62,643
baseline
▲ 0.50% · 4.625%
HK$66,454
+HK$3,811/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,286/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,577
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,336
−HK$1,784/mo
Today · 4.125%
HK$69,120
baseline
▲ 0.50% · 4.625%
HK$72,763
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,240/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,555 · Scale 2, in force from 26 Feb 2026)