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$32,968
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,994
−HK$1,042/mo
Today · 4.125%
HK$35,036
baseline
▲ 0.50% · 4.625%
HK$37,168
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,072/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,677
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$998/mo
Today · 4.125%
HK$38,659
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,318/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,562
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,793
−HK$1,250/mo
Today · 4.125%
HK$42,043
baseline
▲ 0.50% · 4.625%
HK$44,601
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,086/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,013
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,193
−HK$1,197/mo
Today · 4.125%
HK$46,390
baseline
▲ 0.50% · 4.625%
HK$48,836
+HK$2,446/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,780/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,156
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,592
−HK$1,458/mo
Today · 4.125%
HK$49,050
baseline
▲ 0.50% · 4.625%
HK$52,035
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,100/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,348
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,725
−HK$1,397/mo
Today · 4.125%
HK$54,122
baseline
▲ 0.50% · 4.625%
HK$56,975
+HK$2,853/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,244/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,343
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,189
−HK$1,876/mo
Today · 4.125%
HK$63,065
baseline
▲ 0.50% · 4.625%
HK$66,902
+HK$3,837/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,130/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,019
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,789
−HK$1,797/mo
Today · 4.125%
HK$69,586
baseline
▲ 0.50% · 4.625%
HK$73,254
+HK$3,668/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,172/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,184 · Scale 2, in force from 26 Feb 2026)