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$32,879
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$1,039/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$37,067
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,578
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,559
−HK$995/mo
Today · 4.125%
HK$38,554
baseline
▲ 0.50% · 4.625%
HK$40,586
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,108/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,455
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,682
−HK$1,247/mo
Today · 4.125%
HK$41,929
baseline
▲ 0.50% · 4.625%
HK$44,480
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,858/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,893
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,070
−HK$1,194/mo
Today · 4.125%
HK$46,264
baseline
▲ 0.50% · 4.625%
HK$48,703
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,528/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,031
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,462
−HK$1,455/mo
Today · 4.125%
HK$48,917
baseline
▲ 0.50% · 4.625%
HK$51,894
+HK$2,977/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,834/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,209
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,582
−HK$1,393/mo
Today · 4.125%
HK$53,975
baseline
▲ 0.50% · 4.625%
HK$56,820
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,950/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,182
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,023
−HK$1,870/mo
Today · 4.125%
HK$62,893
baseline
▲ 0.50% · 4.625%
HK$66,720
+HK$3,827/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,786/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,840
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,605
−HK$1,792/mo
Today · 4.125%
HK$69,397
baseline
▲ 0.50% · 4.625%
HK$73,055
+HK$3,658/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,794/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,712 · Scale 2, in force from 26 Feb 2026)