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$32,970
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,995
−HK$1,042/mo
Today · 4.125%
HK$35,037
baseline
▲ 0.50% · 4.625%
HK$37,169
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,074/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,679
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,662
−HK$998/mo
Today · 4.125%
HK$38,660
baseline
▲ 0.50% · 4.625%
HK$40,698
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,320/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,564
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,795
−HK$1,250/mo
Today · 4.125%
HK$42,045
baseline
▲ 0.50% · 4.625%
HK$44,603
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,090/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,014
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,195
−HK$1,197/mo
Today · 4.125%
HK$46,392
baseline
▲ 0.50% · 4.625%
HK$48,838
+HK$2,446/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,784/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,158
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,594
−HK$1,458/mo
Today · 4.125%
HK$49,052
baseline
▲ 0.50% · 4.625%
HK$52,037
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,104/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,350
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,727
−HK$1,398/mo
Today · 4.125%
HK$54,125
baseline
▲ 0.50% · 4.625%
HK$56,977
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,250/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,346
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,192
−HK$1,875/mo
Today · 4.125%
HK$63,067
baseline
▲ 0.50% · 4.625%
HK$66,905
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,134/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,022
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,792
−HK$1,797/mo
Today · 4.125%
HK$69,589
baseline
▲ 0.50% · 4.625%
HK$73,257
+HK$3,668/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,178/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,208 · Scale 2, in force from 26 Feb 2026)