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$32,952
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$1,042/mo
Today · 4.125%
HK$35,019
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,038/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,659
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$998/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,677
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,543
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,773
−HK$1,250/mo
Today · 4.125%
HK$42,023
baseline
▲ 0.50% · 4.625%
HK$44,579
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,046/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,991
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,171
−HK$1,197/mo
Today · 4.125%
HK$46,368
baseline
▲ 0.50% · 4.625%
HK$48,812
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,736/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,133
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,568
−HK$1,458/mo
Today · 4.125%
HK$49,026
baseline
▲ 0.50% · 4.625%
HK$52,009
+HK$2,983/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,052/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,323
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,699
−HK$1,397/mo
Today · 4.125%
HK$54,096
baseline
▲ 0.50% · 4.625%
HK$56,947
+HK$2,851/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,192/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,314
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,159
−HK$1,875/mo
Today · 4.125%
HK$63,034
baseline
▲ 0.50% · 4.625%
HK$66,869
+HK$3,835/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,068/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,987
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,756
−HK$1,796/mo
Today · 4.125%
HK$69,552
baseline
▲ 0.50% · 4.625%
HK$73,218
+HK$3,666/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,104/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,919 · Scale 2, in force from 26 Feb 2026)