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$32,950
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$1,042/mo
Today · 4.125%
HK$35,016
baseline
▲ 0.50% · 4.625%
HK$37,146
+HK$2,130/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,032/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,656
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,639
−HK$997/mo
Today · 4.125%
HK$38,636
baseline
▲ 0.50% · 4.625%
HK$40,673
+HK$2,037/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,272/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,539
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,769
−HK$1,250/mo
Today · 4.125%
HK$42,019
baseline
▲ 0.50% · 4.625%
HK$44,576
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,038/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,987
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,167
−HK$1,197/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$48,808
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,129
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,564
−HK$1,458/mo
Today · 4.125%
HK$49,022
baseline
▲ 0.50% · 4.625%
HK$52,005
+HK$2,983/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,044/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,318
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,695
−HK$1,396/mo
Today · 4.125%
HK$54,091
baseline
▲ 0.50% · 4.625%
HK$56,942
+HK$2,851/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,182/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,309
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,154
−HK$1,874/mo
Today · 4.125%
HK$63,028
baseline
▲ 0.50% · 4.625%
HK$66,864
+HK$3,836/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,056/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,981
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,750
−HK$1,796/mo
Today · 4.125%
HK$69,546
baseline
▲ 0.50% · 4.625%
HK$73,211
+HK$3,665/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,092/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,873 · Scale 2, in force from 26 Feb 2026)