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$32,916
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,940
−HK$1,040/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,618
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$997/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,631
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,499
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,727
−HK$1,249/mo
Today · 4.125%
HK$41,976
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,952/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,942
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,121
−HK$1,195/mo
Today · 4.125%
HK$46,316
baseline
▲ 0.50% · 4.625%
HK$48,758
+HK$2,442/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,632/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,082
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,515
−HK$1,457/mo
Today · 4.125%
HK$48,972
baseline
▲ 0.50% · 4.625%
HK$51,952
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,944/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,266
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,641
−HK$1,394/mo
Today · 4.125%
HK$54,035
baseline
▲ 0.50% · 4.625%
HK$56,884
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,070/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,248
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,091
−HK$1,873/mo
Today · 4.125%
HK$62,964
baseline
▲ 0.50% · 4.625%
HK$66,795
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,928/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,913
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,681
−HK$1,793/mo
Today · 4.125%
HK$69,474
baseline
▲ 0.50% · 4.625%
HK$73,136
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,948/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,316 · Scale 2, in force from 26 Feb 2026)