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$32,981
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,007
−HK$1,042/mo
Today · 4.125%
HK$35,049
baseline
▲ 0.50% · 4.625%
HK$37,182
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,098/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,691
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,675
−HK$998/mo
Today · 4.125%
HK$38,673
baseline
▲ 0.50% · 4.625%
HK$40,712
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,346/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,577
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,808
−HK$1,251/mo
Today · 4.125%
HK$42,059
baseline
▲ 0.50% · 4.625%
HK$44,618
+HK$2,559/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,118/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,029
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,210
−HK$1,198/mo
Today · 4.125%
HK$46,408
baseline
▲ 0.50% · 4.625%
HK$48,854
+HK$2,446/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,816/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,174
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,610
−HK$1,459/mo
Today · 4.125%
HK$49,069
baseline
▲ 0.50% · 4.625%
HK$52,055
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,138/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,368
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,745
−HK$1,398/mo
Today · 4.125%
HK$54,143
baseline
▲ 0.50% · 4.625%
HK$56,997
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,286/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,366
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,213
−HK$1,876/mo
Today · 4.125%
HK$63,089
baseline
▲ 0.50% · 4.625%
HK$66,928
+HK$3,839/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,178/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,044
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,815
−HK$1,797/mo
Today · 4.125%
HK$69,612
baseline
▲ 0.50% · 4.625%
HK$73,282
+HK$3,670/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,224/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,392 · Scale 2, in force from 26 Feb 2026)