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$32,976
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,002
−HK$1,042/mo
Today · 4.125%
HK$35,044
baseline
▲ 0.50% · 4.625%
HK$37,176
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,088/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$998/mo
Today · 4.125%
HK$38,667
baseline
▲ 0.50% · 4.625%
HK$40,706
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,334/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,571
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,802
−HK$1,251/mo
Today · 4.125%
HK$42,053
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,106/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,023
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,203
−HK$1,198/mo
Today · 4.125%
HK$46,401
baseline
▲ 0.50% · 4.625%
HK$48,847
+HK$2,446/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,802/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,166
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,459/mo
Today · 4.125%
HK$49,061
baseline
▲ 0.50% · 4.625%
HK$52,047
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,122/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,360
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,737
−HK$1,397/mo
Today · 4.125%
HK$54,134
baseline
▲ 0.50% · 4.625%
HK$56,988
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,268/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,357
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,203
−HK$1,876/mo
Today · 4.125%
HK$63,079
baseline
▲ 0.50% · 4.625%
HK$66,917
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,158/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,034
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,805
−HK$1,796/mo
Today · 4.125%
HK$69,601
baseline
▲ 0.50% · 4.625%
HK$73,270
+HK$3,669/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,202/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,307 · Scale 2, in force from 26 Feb 2026)