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$32,783
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$1,037/mo
Today · 4.125%
HK$34,839
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,678/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,470
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$992/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,467
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,339
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,563
−HK$1,243/mo
Today · 4.125%
HK$41,806
baseline
▲ 0.50% · 4.625%
HK$44,350
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,612/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,765
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,938
−HK$1,191/mo
Today · 4.125%
HK$46,129
baseline
▲ 0.50% · 4.625%
HK$48,561
+HK$2,432/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,258/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,896
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,323
−HK$1,451/mo
Today · 4.125%
HK$48,774
baseline
▲ 0.50% · 4.625%
HK$51,742
+HK$2,968/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,548/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,059
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,428
−HK$1,389/mo
Today · 4.125%
HK$53,817
baseline
▲ 0.50% · 4.625%
HK$56,654
+HK$2,837/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,634/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,009
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,844
−HK$1,865/mo
Today · 4.125%
HK$62,709
baseline
▲ 0.50% · 4.625%
HK$66,525
+HK$3,816/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,418/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,647
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,408
−HK$1,786/mo
Today · 4.125%
HK$69,194
baseline
▲ 0.50% · 4.625%
HK$72,841
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,388/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,130 · Scale 2, in force from 26 Feb 2026)