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$32,966
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,991
−HK$1,042/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$37,164
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,066/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,674
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,657
−HK$998/mo
Today · 4.125%
HK$38,655
baseline
▲ 0.50% · 4.625%
HK$40,693
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,310/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,559
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,789
−HK$1,250/mo
Today · 4.125%
HK$42,039
baseline
▲ 0.50% · 4.625%
HK$44,597
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,078/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,009
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,189
−HK$1,197/mo
Today · 4.125%
HK$46,386
baseline
▲ 0.50% · 4.625%
HK$48,831
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,772/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,152
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,587
−HK$1,459/mo
Today · 4.125%
HK$49,046
baseline
▲ 0.50% · 4.625%
HK$52,030
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,092/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,343
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,720
−HK$1,397/mo
Today · 4.125%
HK$54,117
baseline
▲ 0.50% · 4.625%
HK$56,970
+HK$2,853/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,234/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,338
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,184
−HK$1,875/mo
Today · 4.125%
HK$63,059
baseline
▲ 0.50% · 4.625%
HK$66,896
+HK$3,837/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,118/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,013
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,783
−HK$1,796/mo
Today · 4.125%
HK$69,579
baseline
▲ 0.50% · 4.625%
HK$73,247
+HK$3,668/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,158/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,136 · Scale 2, in force from 26 Feb 2026)