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$32,920
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,944
−HK$1,040/mo
Today · 4.125%
HK$34,984
baseline
▲ 0.50% · 4.625%
HK$37,113
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,968/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,623
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,605
−HK$997/mo
Today · 4.125%
HK$38,602
baseline
▲ 0.50% · 4.625%
HK$40,636
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,204/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,504
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,733
−HK$1,248/mo
Today · 4.125%
HK$41,981
baseline
▲ 0.50% · 4.625%
HK$44,536
+HK$2,555/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,962/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,948
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,126
−HK$1,196/mo
Today · 4.125%
HK$46,322
baseline
▲ 0.50% · 4.625%
HK$48,764
+HK$2,442/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,644/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,088
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,521
−HK$1,457/mo
Today · 4.125%
HK$48,978
baseline
▲ 0.50% · 4.625%
HK$51,958
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,956/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,272
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,647
−HK$1,395/mo
Today · 4.125%
HK$54,042
baseline
▲ 0.50% · 4.625%
HK$56,891
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,084/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,256
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,099
−HK$1,873/mo
Today · 4.125%
HK$62,972
baseline
▲ 0.50% · 4.625%
HK$66,803
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,944/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,921
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,689
−HK$1,794/mo
Today · 4.125%
HK$69,483
baseline
▲ 0.50% · 4.625%
HK$73,145
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,966/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,384 · Scale 2, in force from 26 Feb 2026)