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$32,928
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,952
−HK$1,041/mo
Today · 4.125%
HK$34,993
baseline
▲ 0.50% · 4.625%
HK$37,122
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,986/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,632
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,615
−HK$996/mo
Today · 4.125%
HK$38,611
baseline
▲ 0.50% · 4.625%
HK$40,647
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,222/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,514
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,743
−HK$1,249/mo
Today · 4.125%
HK$41,992
baseline
▲ 0.50% · 4.625%
HK$44,547
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,984/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,959
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,138
−HK$1,196/mo
Today · 4.125%
HK$46,334
baseline
▲ 0.50% · 4.625%
HK$48,776
+HK$2,442/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,668/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,099
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,533
−HK$1,457/mo
Today · 4.125%
HK$48,990
baseline
▲ 0.50% · 4.625%
HK$51,971
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,980/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,285
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,660
−HK$1,396/mo
Today · 4.125%
HK$54,056
baseline
▲ 0.50% · 4.625%
HK$56,905
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,112/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,271
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,114
−HK$1,873/mo
Today · 4.125%
HK$62,987
baseline
▲ 0.50% · 4.625%
HK$66,820
+HK$3,833/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,974/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,938
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,706
−HK$1,794/mo
Today · 4.125%
HK$69,500
baseline
▲ 0.50% · 4.625%
HK$73,164
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,000/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,520 · Scale 2, in force from 26 Feb 2026)