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$32,760
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$1,036/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,933
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,630/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,446
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$992/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,440
+HK$2,025/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,312
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,535
−HK$1,243/mo
Today · 4.125%
HK$41,778
baseline
▲ 0.50% · 4.625%
HK$44,320
+HK$2,542/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,556/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,735
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,908
−HK$1,190/mo
Today · 4.125%
HK$46,098
baseline
▲ 0.50% · 4.625%
HK$48,527
+HK$2,429/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,196/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,865
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,291
−HK$1,450/mo
Today · 4.125%
HK$48,741
baseline
▲ 0.50% · 4.625%
HK$51,706
+HK$2,965/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,482/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,024
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,392
−HK$1,389/mo
Today · 4.125%
HK$53,781
baseline
▲ 0.50% · 4.625%
HK$56,615
+HK$2,834/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,562/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,969
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,803
−HK$1,864/mo
Today · 4.125%
HK$62,667
baseline
▲ 0.50% · 4.625%
HK$66,480
+HK$3,813/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$125,334/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,602
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,362
−HK$1,784/mo
Today · 4.125%
HK$69,146
baseline
▲ 0.50% · 4.625%
HK$72,791
+HK$3,645/mo
Deposit HK$1.44M · loan HK$12.93M · min. income ≈ HK$138,292/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,763 · Scale 2, in force from 26 Feb 2026)