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$32,957
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,983
−HK$1,041/mo
Today · 4.125%
HK$35,024
baseline
▲ 0.50% · 4.625%
HK$37,155
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,048/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,665
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,648
−HK$998/mo
Today · 4.125%
HK$38,646
baseline
▲ 0.50% · 4.625%
HK$40,683
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,292/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,549
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,779
−HK$1,250/mo
Today · 4.125%
HK$42,029
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,058/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,998
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,178
−HK$1,197/mo
Today · 4.125%
HK$46,375
baseline
▲ 0.50% · 4.625%
HK$48,819
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,750/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,140
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,576
−HK$1,458/mo
Today · 4.125%
HK$49,034
baseline
▲ 0.50% · 4.625%
HK$52,018
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,068/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,331
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,707
−HK$1,397/mo
Today · 4.125%
HK$54,104
baseline
▲ 0.50% · 4.625%
HK$56,956
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,208/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,323
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,169
−HK$1,875/mo
Today · 4.125%
HK$63,044
baseline
▲ 0.50% · 4.625%
HK$66,880
+HK$3,836/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,088/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,997
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,767
−HK$1,795/mo
Today · 4.125%
HK$69,562
baseline
▲ 0.50% · 4.625%
HK$73,229
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,124/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,004 · Scale 2, in force from 26 Feb 2026)