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$32,933
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$1,041/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$37,128
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,638
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,621
−HK$996/mo
Today · 4.125%
HK$38,617
baseline
▲ 0.50% · 4.625%
HK$40,653
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,234/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,520
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,749
−HK$1,249/mo
Today · 4.125%
HK$41,998
baseline
▲ 0.50% · 4.625%
HK$44,554
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$83,996/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,966
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,145
−HK$1,196/mo
Today · 4.125%
HK$46,341
baseline
▲ 0.50% · 4.625%
HK$48,784
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,682/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,107
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,541
−HK$1,457/mo
Today · 4.125%
HK$48,998
baseline
▲ 0.50% · 4.625%
HK$51,979
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,996/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,293
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,669
−HK$1,395/mo
Today · 4.125%
HK$54,064
baseline
▲ 0.50% · 4.625%
HK$56,914
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,128/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,280
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,124
−HK$1,873/mo
Today · 4.125%
HK$62,997
baseline
▲ 0.50% · 4.625%
HK$66,831
+HK$3,834/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,994/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,948
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,717
−HK$1,794/mo
Today · 4.125%
HK$69,511
baseline
▲ 0.50% · 4.625%
HK$73,175
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,022/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,606 · Scale 2, in force from 26 Feb 2026)