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$32,949
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$1,041/mo
Today · 4.125%
HK$35,015
baseline
▲ 0.50% · 4.625%
HK$37,146
+HK$2,131/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,030/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,655
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,638
−HK$998/mo
Today · 4.125%
HK$38,636
baseline
▲ 0.50% · 4.625%
HK$40,672
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,272/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,539
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,769
−HK$1,249/mo
Today · 4.125%
HK$42,018
baseline
▲ 0.50% · 4.625%
HK$44,575
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,036/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,986
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,166
−HK$1,197/mo
Today · 4.125%
HK$46,363
baseline
▲ 0.50% · 4.625%
HK$48,807
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,726/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,129
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,563
−HK$1,458/mo
Today · 4.125%
HK$49,021
baseline
▲ 0.50% · 4.625%
HK$52,004
+HK$2,983/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,042/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,318
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,694
−HK$1,396/mo
Today · 4.125%
HK$54,090
baseline
▲ 0.50% · 4.625%
HK$56,941
+HK$2,851/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,180/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,308
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,153
−HK$1,874/mo
Today · 4.125%
HK$63,027
baseline
▲ 0.50% · 4.625%
HK$66,862
+HK$3,835/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,054/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,980
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,749
−HK$1,795/mo
Today · 4.125%
HK$69,544
baseline
▲ 0.50% · 4.625%
HK$73,210
+HK$3,666/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,088/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,863 · Scale 2, in force from 26 Feb 2026)