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$32,962
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,988
−HK$1,041/mo
Today · 4.125%
HK$35,029
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,058/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,670
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,654
−HK$998/mo
Today · 4.125%
HK$38,652
baseline
▲ 0.50% · 4.625%
HK$40,689
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,304/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,555
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,785
−HK$1,250/mo
Today · 4.125%
HK$42,035
baseline
▲ 0.50% · 4.625%
HK$44,593
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,070/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,004
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,185
−HK$1,197/mo
Today · 4.125%
HK$46,382
baseline
▲ 0.50% · 4.625%
HK$48,827
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,764/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,147
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,583
−HK$1,458/mo
Today · 4.125%
HK$49,041
baseline
▲ 0.50% · 4.625%
HK$52,025
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,082/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,338
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,715
−HK$1,397/mo
Today · 4.125%
HK$54,112
baseline
▲ 0.50% · 4.625%
HK$56,964
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,224/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,332
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,178
−HK$1,875/mo
Today · 4.125%
HK$63,053
baseline
▲ 0.50% · 4.625%
HK$66,890
+HK$3,837/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,106/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,007
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,777
−HK$1,796/mo
Today · 4.125%
HK$69,573
baseline
▲ 0.50% · 4.625%
HK$73,240
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,146/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,084 · Scale 2, in force from 26 Feb 2026)