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$32,894
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$1,040/mo
Today · 4.125%
HK$34,957
baseline
▲ 0.50% · 4.625%
HK$37,084
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,914/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,595
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,576
−HK$996/mo
Today · 4.125%
HK$38,572
baseline
▲ 0.50% · 4.625%
HK$40,605
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,144/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,473
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,701
−HK$1,247/mo
Today · 4.125%
HK$41,948
baseline
▲ 0.50% · 4.625%
HK$44,501
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,896/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,913
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,091
−HK$1,195/mo
Today · 4.125%
HK$46,286
baseline
▲ 0.50% · 4.625%
HK$48,726
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,572/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,052
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,484
−HK$1,456/mo
Today · 4.125%
HK$48,940
baseline
▲ 0.50% · 4.625%
HK$51,918
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,880/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,232
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,606
−HK$1,394/mo
Today · 4.125%
HK$54,000
baseline
▲ 0.50% · 4.625%
HK$56,847
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,000/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,210
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,051
−HK$1,872/mo
Today · 4.125%
HK$62,923
baseline
▲ 0.50% · 4.625%
HK$66,751
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,846/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,870
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,637
−HK$1,792/mo
Today · 4.125%
HK$69,429
baseline
▲ 0.50% · 4.625%
HK$73,089
+HK$3,660/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,858/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,964 · Scale 2, in force from 26 Feb 2026)