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$32,947
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,972
−HK$1,042/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$37,144
+HK$2,130/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,654
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$997/mo
Today · 4.125%
HK$38,634
baseline
▲ 0.50% · 4.625%
HK$40,670
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,268/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,537
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,767
−HK$1,249/mo
Today · 4.125%
HK$42,016
baseline
▲ 0.50% · 4.625%
HK$44,573
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,032/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,984
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,164
−HK$1,197/mo
Today · 4.125%
HK$46,361
baseline
▲ 0.50% · 4.625%
HK$48,805
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,722/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,126
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,561
−HK$1,458/mo
Today · 4.125%
HK$49,019
baseline
▲ 0.50% · 4.625%
HK$52,002
+HK$2,983/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,038/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,315
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,691
−HK$1,397/mo
Today · 4.125%
HK$54,088
baseline
▲ 0.50% · 4.625%
HK$56,939
+HK$2,851/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,176/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,305
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,150
−HK$1,874/mo
Today · 4.125%
HK$63,024
baseline
▲ 0.50% · 4.625%
HK$66,859
+HK$3,835/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,048/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,977
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,746
−HK$1,795/mo
Today · 4.125%
HK$69,541
baseline
▲ 0.50% · 4.625%
HK$73,207
+HK$3,666/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,082/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,839 · Scale 2, in force from 26 Feb 2026)