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$32,982
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,008
−HK$1,042/mo
Today · 4.125%
HK$35,050
baseline
▲ 0.50% · 4.625%
HK$37,183
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,100/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,692
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,676
−HK$998/mo
Today · 4.125%
HK$38,674
baseline
▲ 0.50% · 4.625%
HK$40,713
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,348/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,578
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,809
−HK$1,251/mo
Today · 4.125%
HK$42,060
baseline
▲ 0.50% · 4.625%
HK$44,619
+HK$2,559/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,120/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,030
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,211
−HK$1,198/mo
Today · 4.125%
HK$46,409
baseline
▲ 0.50% · 4.625%
HK$48,855
+HK$2,446/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,818/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,174
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,611
−HK$1,459/mo
Today · 4.125%
HK$49,070
baseline
▲ 0.50% · 4.625%
HK$52,056
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,140/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,369
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,746
−HK$1,398/mo
Today · 4.125%
HK$54,144
baseline
▲ 0.50% · 4.625%
HK$56,998
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,288/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,367
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,214
−HK$1,876/mo
Today · 4.125%
HK$63,090
baseline
▲ 0.50% · 4.625%
HK$66,929
+HK$3,839/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,180/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,045
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,817
−HK$1,797/mo
Today · 4.125%
HK$69,614
baseline
▲ 0.50% · 4.625%
HK$73,283
+HK$3,669/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,228/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,403 · Scale 2, in force from 26 Feb 2026)