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$32,929
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,953
−HK$1,041/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,633
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,616
−HK$996/mo
Today · 4.125%
HK$38,612
baseline
▲ 0.50% · 4.625%
HK$40,648
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,224/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,515
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,744
−HK$1,249/mo
Today · 4.125%
HK$41,993
baseline
▲ 0.50% · 4.625%
HK$44,548
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,986/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,960
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,139
−HK$1,196/mo
Today · 4.125%
HK$46,335
baseline
▲ 0.50% · 4.625%
HK$48,777
+HK$2,442/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,670/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,101
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,535
−HK$1,457/mo
Today · 4.125%
HK$48,992
baseline
▲ 0.50% · 4.625%
HK$51,973
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,984/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,287
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,662
−HK$1,395/mo
Today · 4.125%
HK$54,057
baseline
▲ 0.50% · 4.625%
HK$56,907
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,114/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,272
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,116
−HK$1,873/mo
Today · 4.125%
HK$62,989
baseline
▲ 0.50% · 4.625%
HK$66,822
+HK$3,833/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,978/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,940
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,708
−HK$1,794/mo
Today · 4.125%
HK$69,502
baseline
▲ 0.50% · 4.625%
HK$73,166
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,004/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,536 · Scale 2, in force from 26 Feb 2026)