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$32,964
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,989
−HK$1,042/mo
Today · 4.125%
HK$35,031
baseline
▲ 0.50% · 4.625%
HK$37,163
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,062/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,672
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,656
−HK$997/mo
Today · 4.125%
HK$38,653
baseline
▲ 0.50% · 4.625%
HK$40,691
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,306/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,557
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,787
−HK$1,250/mo
Today · 4.125%
HK$42,037
baseline
▲ 0.50% · 4.625%
HK$44,595
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,074/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,006
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,187
−HK$1,197/mo
Today · 4.125%
HK$46,384
baseline
▲ 0.50% · 4.625%
HK$48,829
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,768/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,149
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,585
−HK$1,458/mo
Today · 4.125%
HK$49,043
baseline
▲ 0.50% · 4.625%
HK$52,028
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,086/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,341
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,718
−HK$1,397/mo
Today · 4.125%
HK$54,115
baseline
▲ 0.50% · 4.625%
HK$56,967
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,230/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,335
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,181
−HK$1,875/mo
Today · 4.125%
HK$63,056
baseline
▲ 0.50% · 4.625%
HK$66,893
+HK$3,837/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,112/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,010
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,780
−HK$1,796/mo
Today · 4.125%
HK$69,576
baseline
▲ 0.50% · 4.625%
HK$73,243
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,152/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,109 · Scale 2, in force from 26 Feb 2026)