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$32,774
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$1,036/mo
Today · 4.125%
HK$34,829
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,658/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$538,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,438
−HK$992/mo
Today · 4.125%
HK$38,430
baseline
▲ 0.50% · 4.625%
HK$40,456
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,860/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$538,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,329
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,552
−HK$1,243/mo
Today · 4.125%
HK$41,795
baseline
▲ 0.50% · 4.625%
HK$44,338
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,590/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,753
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,926
−HK$1,190/mo
Today · 4.125%
HK$46,116
baseline
▲ 0.50% · 4.625%
HK$48,547
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,232/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,883
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,311
−HK$1,450/mo
Today · 4.125%
HK$48,761
baseline
▲ 0.50% · 4.625%
HK$51,728
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,522/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,045
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,414
−HK$1,389/mo
Today · 4.125%
HK$53,803
baseline
▲ 0.50% · 4.625%
HK$56,639
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,606/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,993
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,828
−HK$1,864/mo
Today · 4.125%
HK$62,692
baseline
▲ 0.50% · 4.625%
HK$66,507
+HK$3,815/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,384/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,629
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,389
−HK$1,786/mo
Today · 4.125%
HK$69,175
baseline
▲ 0.50% · 4.625%
HK$72,821
+HK$3,646/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,350/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,983 · Scale 2, in force from 26 Feb 2026)