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$32,963
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,989
−HK$1,041/mo
Today · 4.125%
HK$35,030
baseline
▲ 0.50% · 4.625%
HK$37,162
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,060/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,671
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,655
−HK$997/mo
Today · 4.125%
HK$38,652
baseline
▲ 0.50% · 4.625%
HK$40,690
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,304/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,556
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,786
−HK$1,250/mo
Today · 4.125%
HK$42,036
baseline
▲ 0.50% · 4.625%
HK$44,594
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,072/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,005
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,186
−HK$1,197/mo
Today · 4.125%
HK$46,383
baseline
▲ 0.50% · 4.625%
HK$48,828
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,766/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,148
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,584
−HK$1,458/mo
Today · 4.125%
HK$49,042
baseline
▲ 0.50% · 4.625%
HK$52,026
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,084/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,340
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,717
−HK$1,396/mo
Today · 4.125%
HK$54,113
baseline
▲ 0.50% · 4.625%
HK$56,966
+HK$2,853/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,226/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,334
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,179
−HK$1,875/mo
Today · 4.125%
HK$63,054
baseline
▲ 0.50% · 4.625%
HK$66,891
+HK$3,837/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,108/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,008
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,778
−HK$1,796/mo
Today · 4.125%
HK$69,574
baseline
▲ 0.50% · 4.625%
HK$73,242
+HK$3,668/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,148/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,097 · Scale 2, in force from 26 Feb 2026)