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$32,740
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,759
−HK$1,034/mo
Today · 4.125%
HK$34,793
baseline
▲ 0.50% · 4.625%
HK$36,911
+HK$2,118/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$69,586/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,423
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,400
−HK$991/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,415
+HK$2,024/mo
Deposit HK$7.18M · loan HK$7.18M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$538,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,288
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,511
−HK$1,241/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$44,293
+HK$2,541/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,708
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,880
−HK$1,189/mo
Today · 4.125%
HK$46,069
baseline
▲ 0.50% · 4.625%
HK$48,498
+HK$2,429/mo
Deposit HK$5.74M · loan HK$8.61M · min. income ≈ HK$92,138/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$538,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,836
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,262
−HK$1,449/mo
Today · 4.125%
HK$48,711
baseline
▲ 0.50% · 4.625%
HK$51,675
+HK$2,964/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$97,422/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,993
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,360
−HK$1,388/mo
Today · 4.125%
HK$53,748
baseline
▲ 0.50% · 4.625%
HK$56,581
+HK$2,833/mo
Deposit HK$4.31M · loan HK$10.05M · min. income ≈ HK$107,496/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,933
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,766
−HK$1,862/mo
Today · 4.125%
HK$62,628
baseline
▲ 0.50% · 4.625%
HK$66,439
+HK$3,811/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$125,256/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,562
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,320
−HK$1,784/mo
Today · 4.125%
HK$69,104
baseline
▲ 0.50% · 4.625%
HK$72,747
+HK$3,643/mo
Deposit HK$1.44M · loan HK$12.92M · min. income ≈ HK$138,208/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$538,432 · Scale 2, in force from 26 Feb 2026)