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$32,955
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,981
−HK$1,041/mo
Today · 4.125%
HK$35,022
baseline
▲ 0.50% · 4.625%
HK$37,153
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,044/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,663
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,646
−HK$997/mo
Today · 4.125%
HK$38,643
baseline
▲ 0.50% · 4.625%
HK$40,680
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,286/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,777
−HK$1,249/mo
Today · 4.125%
HK$42,026
baseline
▲ 0.50% · 4.625%
HK$44,584
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,052/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,995
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,197/mo
Today · 4.125%
HK$46,372
baseline
▲ 0.50% · 4.625%
HK$48,816
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,744/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,138
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,573
−HK$1,458/mo
Today · 4.125%
HK$49,031
baseline
▲ 0.50% · 4.625%
HK$52,014
+HK$2,983/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,062/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,328
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,704
−HK$1,397/mo
Today · 4.125%
HK$54,101
baseline
▲ 0.50% · 4.625%
HK$56,952
+HK$2,851/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,202/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,320
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,165
−HK$1,875/mo
Today · 4.125%
HK$63,040
baseline
▲ 0.50% · 4.625%
HK$66,875
+HK$3,835/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,080/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,993
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,763
−HK$1,795/mo
Today · 4.125%
HK$69,558
baseline
▲ 0.50% · 4.625%
HK$73,225
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,116/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,970 · Scale 2, in force from 26 Feb 2026)