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$32,961
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,986
−HK$1,042/mo
Today · 4.125%
HK$35,028
baseline
▲ 0.50% · 4.625%
HK$37,159
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,056/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,668
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,652
−HK$997/mo
Today · 4.125%
HK$38,649
baseline
▲ 0.50% · 4.625%
HK$40,687
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,298/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,553
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,250/mo
Today · 4.125%
HK$42,033
baseline
▲ 0.50% · 4.625%
HK$44,591
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,066/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,002
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,182
−HK$1,197/mo
Today · 4.125%
HK$46,379
baseline
▲ 0.50% · 4.625%
HK$48,824
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,758/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,145
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,580
−HK$1,459/mo
Today · 4.125%
HK$49,039
baseline
▲ 0.50% · 4.625%
HK$52,022
+HK$2,983/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,078/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,336
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,712
−HK$1,397/mo
Today · 4.125%
HK$54,109
baseline
▲ 0.50% · 4.625%
HK$56,961
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,218/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,329
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,175
−HK$1,875/mo
Today · 4.125%
HK$63,050
baseline
▲ 0.50% · 4.625%
HK$66,886
+HK$3,836/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,100/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,003
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,773
−HK$1,796/mo
Today · 4.125%
HK$69,569
baseline
▲ 0.50% · 4.625%
HK$73,236
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,138/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,054 · Scale 2, in force from 26 Feb 2026)