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$32,974
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$1,042/mo
Today · 4.125%
HK$35,042
baseline
▲ 0.50% · 4.625%
HK$37,174
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,084/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,683
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,667
−HK$998/mo
Today · 4.125%
HK$38,665
baseline
▲ 0.50% · 4.625%
HK$40,703
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,330/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,569
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,800
−HK$1,250/mo
Today · 4.125%
HK$42,050
baseline
▲ 0.50% · 4.625%
HK$44,609
+HK$2,559/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,100/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,020
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,201
−HK$1,197/mo
Today · 4.125%
HK$46,398
baseline
▲ 0.50% · 4.625%
HK$48,844
+HK$2,446/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,796/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,164
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,600
−HK$1,459/mo
Today · 4.125%
HK$49,059
baseline
▲ 0.50% · 4.625%
HK$52,044
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,118/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,357
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,734
−HK$1,398/mo
Today · 4.125%
HK$54,132
baseline
▲ 0.50% · 4.625%
HK$56,985
+HK$2,853/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,264/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,354
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,200
−HK$1,876/mo
Today · 4.125%
HK$63,076
baseline
▲ 0.50% · 4.625%
HK$66,914
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,152/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,030
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,801
−HK$1,797/mo
Today · 4.125%
HK$69,598
baseline
▲ 0.50% · 4.625%
HK$73,266
+HK$3,668/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,196/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,278 · Scale 2, in force from 26 Feb 2026)