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$32,796
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,816
−HK$1,037/mo
Today · 4.125%
HK$34,853
baseline
▲ 0.50% · 4.625%
HK$36,974
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,706/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,485
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,464
−HK$993/mo
Today · 4.125%
HK$38,457
baseline
▲ 0.50% · 4.625%
HK$40,484
+HK$2,027/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,914/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,355
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,580
−HK$1,243/mo
Today · 4.125%
HK$41,823
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,545/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,646/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,783
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,957
−HK$1,191/mo
Today · 4.125%
HK$46,148
baseline
▲ 0.50% · 4.625%
HK$48,580
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,296/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,915
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,343
−HK$1,451/mo
Today · 4.125%
HK$48,794
baseline
▲ 0.50% · 4.625%
HK$51,763
+HK$2,969/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$97,588/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,080
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,450
−HK$1,389/mo
Today · 4.125%
HK$53,839
baseline
▲ 0.50% · 4.625%
HK$56,677
+HK$2,838/mo
Deposit HK$4.31M · loan HK$10.07M · min. income ≈ HK$107,678/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,033
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,869
−HK$1,866/mo
Today · 4.125%
HK$62,735
baseline
▲ 0.50% · 4.625%
HK$66,552
+HK$3,817/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,470/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,674
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,435
−HK$1,787/mo
Today · 4.125%
HK$69,222
baseline
▲ 0.50% · 4.625%
HK$72,871
+HK$3,649/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,444/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,351 · Scale 2, in force from 26 Feb 2026)