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$32,921
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,945
−HK$1,040/mo
Today · 4.125%
HK$34,985
baseline
▲ 0.50% · 4.625%
HK$37,114
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,970/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,624
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,606
−HK$997/mo
Today · 4.125%
HK$38,603
baseline
▲ 0.50% · 4.625%
HK$40,638
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,206/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,505
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,734
−HK$1,248/mo
Today · 4.125%
HK$41,982
baseline
▲ 0.50% · 4.625%
HK$44,537
+HK$2,555/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,964/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,949
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,195/mo
Today · 4.125%
HK$46,323
baseline
▲ 0.50% · 4.625%
HK$48,765
+HK$2,442/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,646/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,089
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,523
−HK$1,456/mo
Today · 4.125%
HK$48,979
baseline
▲ 0.50% · 4.625%
HK$51,960
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,958/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,274
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,649
−HK$1,395/mo
Today · 4.125%
HK$54,044
baseline
▲ 0.50% · 4.625%
HK$56,893
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,088/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,258
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,101
−HK$1,873/mo
Today · 4.125%
HK$62,974
baseline
▲ 0.50% · 4.625%
HK$66,805
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,948/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,924
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,692
−HK$1,793/mo
Today · 4.125%
HK$69,485
baseline
▲ 0.50% · 4.625%
HK$73,148
+HK$3,663/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,970/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,402 · Scale 2, in force from 26 Feb 2026)