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$32,993
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,019
−HK$1,043/mo
Today · 4.125%
HK$35,062
baseline
▲ 0.50% · 4.625%
HK$37,196
+HK$2,134/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,124/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,705
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,689
−HK$999/mo
Today · 4.125%
HK$38,688
baseline
▲ 0.50% · 4.625%
HK$40,727
+HK$2,039/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$542,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,592
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,823
−HK$1,252/mo
Today · 4.125%
HK$42,075
baseline
▲ 0.50% · 4.625%
HK$44,635
+HK$2,560/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$542,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,045
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,227
−HK$1,198/mo
Today · 4.125%
HK$46,425
baseline
▲ 0.50% · 4.625%
HK$48,872
+HK$2,447/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,850/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,190
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,627
−HK$1,460/mo
Today · 4.125%
HK$49,087
baseline
▲ 0.50% · 4.625%
HK$52,074
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,174/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,386
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,764
−HK$1,399/mo
Today · 4.125%
HK$54,163
baseline
▲ 0.50% · 4.625%
HK$57,018
+HK$2,855/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,326/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,388
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,235
−HK$1,877/mo
Today · 4.125%
HK$63,112
baseline
▲ 0.50% · 4.625%
HK$66,952
+HK$3,840/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,224/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,068
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,840
−HK$1,798/mo
Today · 4.125%
HK$69,638
baseline
▲ 0.50% · 4.625%
HK$73,308
+HK$3,670/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,276/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,590 · Scale 2, in force from 26 Feb 2026)