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$32,896
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,919
−HK$1,040/mo
Today · 4.125%
HK$34,959
baseline
▲ 0.50% · 4.625%
HK$37,086
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,918/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,596
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,578
−HK$996/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,607
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,475
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,247/mo
Today · 4.125%
HK$41,950
baseline
▲ 0.50% · 4.625%
HK$44,503
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,900/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,093
−HK$1,195/mo
Today · 4.125%
HK$46,288
baseline
▲ 0.50% · 4.625%
HK$48,728
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,576/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,054
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,487
−HK$1,455/mo
Today · 4.125%
HK$48,942
baseline
▲ 0.50% · 4.625%
HK$51,920
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,884/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,235
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,609
−HK$1,394/mo
Today · 4.125%
HK$54,003
baseline
▲ 0.50% · 4.625%
HK$56,850
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,006/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,213
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,054
−HK$1,872/mo
Today · 4.125%
HK$62,926
baseline
▲ 0.50% · 4.625%
HK$66,755
+HK$3,829/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,852/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,873
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,640
−HK$1,792/mo
Today · 4.125%
HK$69,432
baseline
▲ 0.50% · 4.625%
HK$73,092
+HK$3,660/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,864/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,990 · Scale 2, in force from 26 Feb 2026)