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$2,069/mo
▼ 0.25% · 3.875%
HK$34,012
−HK$1,043/mo
Today · 4.125%
HK$35,055
baseline
▲ 0.50% · 4.625%
HK$37,188
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,110/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,697
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,681
−HK$999/mo
Today · 4.125%
HK$38,680
baseline
▲ 0.50% · 4.625%
HK$40,719
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,360/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,584
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,815
−HK$1,251/mo
Today · 4.125%
HK$42,066
baseline
▲ 0.50% · 4.625%
HK$44,626
+HK$2,560/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,132/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,036
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,218
−HK$1,198/mo
Today · 4.125%
HK$46,416
baseline
▲ 0.50% · 4.625%
HK$48,862
+HK$2,446/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,832/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,181
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,617
−HK$1,460/mo
Today · 4.125%
HK$49,077
baseline
▲ 0.50% · 4.625%
HK$52,063
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,154/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,376
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,754
−HK$1,398/mo
Today · 4.125%
HK$54,152
baseline
▲ 0.50% · 4.625%
HK$57,006
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,304/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,376
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,222
−HK$1,877/mo
Today · 4.125%
HK$63,099
baseline
▲ 0.50% · 4.625%
HK$66,938
+HK$3,839/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,198/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,055
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,826
−HK$1,797/mo
Today · 4.125%
HK$69,623
baseline
▲ 0.50% · 4.625%
HK$73,293
+HK$3,670/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,246/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,480 · Scale 2, in force from 26 Feb 2026)