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$32,971
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,997
−HK$1,042/mo
Today · 4.125%
HK$35,039
baseline
▲ 0.50% · 4.625%
HK$37,171
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,078/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,680
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,664
−HK$998/mo
Today · 4.125%
HK$38,662
baseline
▲ 0.50% · 4.625%
HK$40,700
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,324/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,566
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,796
−HK$1,251/mo
Today · 4.125%
HK$42,047
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,094/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,016
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,198/mo
Today · 4.125%
HK$46,395
baseline
▲ 0.50% · 4.625%
HK$48,840
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,790/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,160
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,596
−HK$1,459/mo
Today · 4.125%
HK$49,055
baseline
▲ 0.50% · 4.625%
HK$52,039
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,110/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,353
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,730
−HK$1,397/mo
Today · 4.125%
HK$54,127
baseline
▲ 0.50% · 4.625%
HK$56,980
+HK$2,853/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,254/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,349
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,195
−HK$1,875/mo
Today · 4.125%
HK$63,070
baseline
▲ 0.50% · 4.625%
HK$66,908
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,140/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,025
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,795
−HK$1,797/mo
Today · 4.125%
HK$69,592
baseline
▲ 0.50% · 4.625%
HK$73,260
+HK$3,668/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,184/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,232 · Scale 2, in force from 26 Feb 2026)