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$32,931
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,955
−HK$1,041/mo
Today · 4.125%
HK$34,996
baseline
▲ 0.50% · 4.625%
HK$37,125
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,992/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,635
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,618
−HK$996/mo
Today · 4.125%
HK$38,614
baseline
▲ 0.50% · 4.625%
HK$40,650
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,228/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,517
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,746
−HK$1,249/mo
Today · 4.125%
HK$41,995
baseline
▲ 0.50% · 4.625%
HK$44,550
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$83,990/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,962
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,141
−HK$1,196/mo
Today · 4.125%
HK$46,337
baseline
▲ 0.50% · 4.625%
HK$48,780
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,674/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,103
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,537
−HK$1,457/mo
Today · 4.125%
HK$48,994
baseline
▲ 0.50% · 4.625%
HK$51,975
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,988/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,289
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,665
−HK$1,395/mo
Today · 4.125%
HK$54,060
baseline
▲ 0.50% · 4.625%
HK$56,910
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,120/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,275
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,119
−HK$1,873/mo
Today · 4.125%
HK$62,992
baseline
▲ 0.50% · 4.625%
HK$66,825
+HK$3,833/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,984/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,943
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,712
−HK$1,794/mo
Today · 4.125%
HK$69,506
baseline
▲ 0.50% · 4.625%
HK$73,170
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,012/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,563 · Scale 2, in force from 26 Feb 2026)