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$32,923
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,947
−HK$1,040/mo
Today · 4.125%
HK$34,987
baseline
▲ 0.50% · 4.625%
HK$37,116
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,974/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,626
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,609
−HK$996/mo
Today · 4.125%
HK$38,605
baseline
▲ 0.50% · 4.625%
HK$40,640
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,210/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,507
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,736
−HK$1,249/mo
Today · 4.125%
HK$41,985
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,970/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,952
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,130
−HK$1,196/mo
Today · 4.125%
HK$46,326
baseline
▲ 0.50% · 4.625%
HK$48,768
+HK$2,442/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,652/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,092
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,526
−HK$1,456/mo
Today · 4.125%
HK$48,982
baseline
▲ 0.50% · 4.625%
HK$51,963
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,964/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,277
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,652
−HK$1,395/mo
Today · 4.125%
HK$54,047
baseline
▲ 0.50% · 4.625%
HK$56,896
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,094/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,261
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,105
−HK$1,872/mo
Today · 4.125%
HK$62,977
baseline
▲ 0.50% · 4.625%
HK$66,809
+HK$3,832/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,954/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,927
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,696
−HK$1,793/mo
Today · 4.125%
HK$69,489
baseline
▲ 0.50% · 4.625%
HK$73,152
+HK$3,663/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,978/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,434 · Scale 2, in force from 26 Feb 2026)