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$32,902
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,925
−HK$1,040/mo
Today · 4.125%
HK$34,965
baseline
▲ 0.50% · 4.625%
HK$37,093
+HK$2,128/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,930/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,603
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$996/mo
Today · 4.125%
HK$38,581
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,162/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,482
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,710
−HK$1,248/mo
Today · 4.125%
HK$41,958
baseline
▲ 0.50% · 4.625%
HK$44,511
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,916/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,924
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,102
−HK$1,195/mo
Today · 4.125%
HK$46,297
baseline
▲ 0.50% · 4.625%
HK$48,737
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,594/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,063
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,495
−HK$1,456/mo
Today · 4.125%
HK$48,951
baseline
▲ 0.50% · 4.625%
HK$51,930
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,902/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,244
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,619
−HK$1,394/mo
Today · 4.125%
HK$54,013
baseline
▲ 0.50% · 4.625%
HK$56,860
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,026/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,223
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,066
−HK$1,871/mo
Today · 4.125%
HK$62,937
baseline
▲ 0.50% · 4.625%
HK$66,767
+HK$3,830/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,874/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,885
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,652
−HK$1,793/mo
Today · 4.125%
HK$69,445
baseline
▲ 0.50% · 4.625%
HK$73,106
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,890/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,089 · Scale 2, in force from 26 Feb 2026)