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$32,994
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,020
−HK$1,043/mo
Today · 4.125%
HK$35,063
baseline
▲ 0.50% · 4.625%
HK$37,196
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,126/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,705
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$998/mo
Today · 4.125%
HK$38,688
baseline
▲ 0.50% · 4.625%
HK$40,728
+HK$2,040/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,376/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,593
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,824
−HK$1,251/mo
Today · 4.125%
HK$42,075
baseline
▲ 0.50% · 4.625%
HK$44,636
+HK$2,561/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,150/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,046
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,228
−HK$1,198/mo
Today · 4.125%
HK$46,426
baseline
▲ 0.50% · 4.625%
HK$48,873
+HK$2,447/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,852/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,191
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,628
−HK$1,460/mo
Today · 4.125%
HK$49,088
baseline
▲ 0.50% · 4.625%
HK$52,075
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,176/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,387
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,766
−HK$1,398/mo
Today · 4.125%
HK$54,164
baseline
▲ 0.50% · 4.625%
HK$57,019
+HK$2,855/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,328/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,389
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,236
−HK$1,877/mo
Today · 4.125%
HK$63,113
baseline
▲ 0.50% · 4.625%
HK$66,953
+HK$3,840/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,226/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,070
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,842
−HK$1,797/mo
Today · 4.125%
HK$69,639
baseline
▲ 0.50% · 4.625%
HK$73,310
+HK$3,671/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,278/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,601 · Scale 2, in force from 26 Feb 2026)