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$32,811
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,832
−HK$1,037/mo
Today · 4.125%
HK$34,869
baseline
▲ 0.50% · 4.625%
HK$36,990
+HK$2,121/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,738/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,502
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,481
−HK$993/mo
Today · 4.125%
HK$38,474
baseline
▲ 0.50% · 4.625%
HK$40,502
+HK$2,028/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,948/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,373
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,598
−HK$1,244/mo
Today · 4.125%
HK$41,842
baseline
▲ 0.50% · 4.625%
HK$44,388
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,684/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,802
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,977
−HK$1,192/mo
Today · 4.125%
HK$46,169
baseline
▲ 0.50% · 4.625%
HK$48,602
+HK$2,433/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,338/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,935
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,364
−HK$1,452/mo
Today · 4.125%
HK$48,816
baseline
▲ 0.50% · 4.625%
HK$51,786
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,632/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,103
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,473
−HK$1,391/mo
Today · 4.125%
HK$53,864
baseline
▲ 0.50% · 4.625%
HK$56,703
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,728/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,060
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,897
−HK$1,866/mo
Today · 4.125%
HK$62,763
baseline
▲ 0.50% · 4.625%
HK$66,582
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,526/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,703
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,466
−HK$1,787/mo
Today · 4.125%
HK$69,253
baseline
▲ 0.50% · 4.625%
HK$72,904
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,506/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,595 · Scale 2, in force from 26 Feb 2026)