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$32,727
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,745
−HK$1,034/mo
Today · 4.125%
HK$34,779
baseline
▲ 0.50% · 4.625%
HK$36,896
+HK$2,117/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,558/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,409
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,385
−HK$991/mo
Today · 4.125%
HK$38,376
baseline
▲ 0.50% · 4.625%
HK$40,399
+HK$2,023/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,752/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$538,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,273
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,494
−HK$1,241/mo
Today · 4.125%
HK$41,735
baseline
▲ 0.50% · 4.625%
HK$44,275
+HK$2,540/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,470/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,690
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,862
−HK$1,189/mo
Today · 4.125%
HK$46,051
baseline
▲ 0.50% · 4.625%
HK$48,478
+HK$2,427/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,102/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,818
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,243
−HK$1,448/mo
Today · 4.125%
HK$48,691
baseline
▲ 0.50% · 4.625%
HK$51,654
+HK$2,963/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,382/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,972
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,339
−HK$1,387/mo
Today · 4.125%
HK$53,726
baseline
▲ 0.50% · 4.625%
HK$56,558
+HK$2,832/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,452/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$538,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,909
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,741
−HK$1,862/mo
Today · 4.125%
HK$62,603
baseline
▲ 0.50% · 4.625%
HK$66,412
+HK$3,809/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,206/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,536
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,293
−HK$1,783/mo
Today · 4.125%
HK$69,076
baseline
▲ 0.50% · 4.625%
HK$72,717
+HK$3,641/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,152/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,216 · Scale 2, in force from 26 Feb 2026)