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$32,986
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,012
−HK$1,042/mo
Today · 4.125%
HK$35,054
baseline
▲ 0.50% · 4.625%
HK$37,187
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,108/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,696
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,681
−HK$998/mo
Today · 4.125%
HK$38,679
baseline
▲ 0.50% · 4.625%
HK$40,718
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,358/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,583
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,814
−HK$1,251/mo
Today · 4.125%
HK$42,065
baseline
▲ 0.50% · 4.625%
HK$44,625
+HK$2,560/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,130/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,036
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,217
−HK$1,198/mo
Today · 4.125%
HK$46,415
baseline
▲ 0.50% · 4.625%
HK$48,861
+HK$2,446/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,830/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,180
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,617
−HK$1,459/mo
Today · 4.125%
HK$49,076
baseline
▲ 0.50% · 4.625%
HK$52,062
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,152/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,375
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,753
−HK$1,398/mo
Today · 4.125%
HK$54,151
baseline
▲ 0.50% · 4.625%
HK$57,005
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,302/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,375
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,221
−HK$1,877/mo
Today · 4.125%
HK$63,098
baseline
▲ 0.50% · 4.625%
HK$66,937
+HK$3,839/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,196/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,054
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,825
−HK$1,797/mo
Today · 4.125%
HK$69,622
baseline
▲ 0.50% · 4.625%
HK$73,292
+HK$3,670/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,244/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,470 · Scale 2, in force from 26 Feb 2026)