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$32,917
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$1,040/mo
Today · 4.125%
HK$34,981
baseline
▲ 0.50% · 4.625%
HK$37,110
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,962/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,620
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,602
−HK$997/mo
Today · 4.125%
HK$38,599
baseline
▲ 0.50% · 4.625%
HK$40,633
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,198/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,501
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,729
−HK$1,249/mo
Today · 4.125%
HK$41,978
baseline
▲ 0.50% · 4.625%
HK$44,532
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,956/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,944
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,123
−HK$1,195/mo
Today · 4.125%
HK$46,318
baseline
▲ 0.50% · 4.625%
HK$48,760
+HK$2,442/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,636/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,084
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,518
−HK$1,456/mo
Today · 4.125%
HK$48,974
baseline
▲ 0.50% · 4.625%
HK$51,954
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,948/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,268
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,643
−HK$1,395/mo
Today · 4.125%
HK$54,038
baseline
▲ 0.50% · 4.625%
HK$56,886
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,076/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,251
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,094
−HK$1,873/mo
Today · 4.125%
HK$62,967
baseline
▲ 0.50% · 4.625%
HK$66,798
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,934/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,916
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,684
−HK$1,794/mo
Today · 4.125%
HK$69,478
baseline
▲ 0.50% · 4.625%
HK$73,140
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,956/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,342 · Scale 2, in force from 26 Feb 2026)