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$32,938
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,963
−HK$1,041/mo
Today · 4.125%
HK$35,004
baseline
▲ 0.50% · 4.625%
HK$37,134
+HK$2,130/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,008/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,643
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,626
−HK$997/mo
Today · 4.125%
HK$38,623
baseline
▲ 0.50% · 4.625%
HK$40,659
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,246/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,526
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,755
−HK$1,249/mo
Today · 4.125%
HK$42,004
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,008/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,972
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,151
−HK$1,197/mo
Today · 4.125%
HK$46,348
baseline
▲ 0.50% · 4.625%
HK$48,791
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,696/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,113
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,548
−HK$1,457/mo
Today · 4.125%
HK$49,005
baseline
▲ 0.50% · 4.625%
HK$51,987
+HK$2,982/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,010/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,301
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,677
−HK$1,395/mo
Today · 4.125%
HK$54,072
baseline
▲ 0.50% · 4.625%
HK$56,923
+HK$2,851/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,144/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,289
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,133
−HK$1,874/mo
Today · 4.125%
HK$63,007
baseline
▲ 0.50% · 4.625%
HK$66,840
+HK$3,833/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,014/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,958
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,727
−HK$1,795/mo
Today · 4.125%
HK$69,522
baseline
▲ 0.50% · 4.625%
HK$73,186
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,044/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,686 · Scale 2, in force from 26 Feb 2026)