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$32,990
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,016
−HK$1,043/mo
Today · 4.125%
HK$35,059
baseline
▲ 0.50% · 4.625%
HK$37,192
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,118/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,701
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,685
−HK$999/mo
Today · 4.125%
HK$38,684
baseline
▲ 0.50% · 4.625%
HK$40,723
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,368/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,588
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,819
−HK$1,251/mo
Today · 4.125%
HK$42,070
baseline
▲ 0.50% · 4.625%
HK$44,630
+HK$2,560/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,140/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,041
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,222
−HK$1,198/mo
Today · 4.125%
HK$46,420
baseline
▲ 0.50% · 4.625%
HK$48,867
+HK$2,447/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,840/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,186
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,622
−HK$1,460/mo
Today · 4.125%
HK$49,082
baseline
▲ 0.50% · 4.625%
HK$52,069
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,164/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,381
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,759
−HK$1,398/mo
Today · 4.125%
HK$54,157
baseline
▲ 0.50% · 4.625%
HK$57,012
+HK$2,855/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,314/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,382
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,229
−HK$1,876/mo
Today · 4.125%
HK$63,105
baseline
▲ 0.50% · 4.625%
HK$66,945
+HK$3,840/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,210/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,062
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,833
−HK$1,798/mo
Today · 4.125%
HK$69,631
baseline
▲ 0.50% · 4.625%
HK$73,301
+HK$3,670/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,262/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,535 · Scale 2, in force from 26 Feb 2026)