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$32,910
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,934
−HK$1,040/mo
Today · 4.125%
HK$34,974
baseline
▲ 0.50% · 4.625%
HK$37,102
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,948/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,613
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$996/mo
Today · 4.125%
HK$38,591
baseline
▲ 0.50% · 4.625%
HK$40,625
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,182/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,493
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,721
−HK$1,248/mo
Today · 4.125%
HK$41,969
baseline
▲ 0.50% · 4.625%
HK$44,523
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,938/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,935
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,113
−HK$1,196/mo
Today · 4.125%
HK$46,309
baseline
▲ 0.50% · 4.625%
HK$48,750
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,618/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,075
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,508
−HK$1,456/mo
Today · 4.125%
HK$48,964
baseline
▲ 0.50% · 4.625%
HK$51,943
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,928/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,258
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,632
−HK$1,395/mo
Today · 4.125%
HK$54,027
baseline
▲ 0.50% · 4.625%
HK$56,875
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,054/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,239
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,082
−HK$1,872/mo
Today · 4.125%
HK$62,954
baseline
▲ 0.50% · 4.625%
HK$66,784
+HK$3,830/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,908/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,903
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,670
−HK$1,793/mo
Today · 4.125%
HK$69,463
baseline
▲ 0.50% · 4.625%
HK$73,125
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,926/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,231 · Scale 2, in force from 26 Feb 2026)