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$32,956
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,981
−HK$1,042/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$37,154
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,663
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,646
−HK$998/mo
Today · 4.125%
HK$38,644
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,288/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,777
−HK$1,250/mo
Today · 4.125%
HK$42,027
baseline
▲ 0.50% · 4.625%
HK$44,584
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,054/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,996
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,176
−HK$1,197/mo
Today · 4.125%
HK$46,373
baseline
▲ 0.50% · 4.625%
HK$48,817
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,746/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,138
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,574
−HK$1,458/mo
Today · 4.125%
HK$49,032
baseline
▲ 0.50% · 4.625%
HK$52,015
+HK$2,983/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,064/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,328
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,705
−HK$1,397/mo
Today · 4.125%
HK$54,102
baseline
▲ 0.50% · 4.625%
HK$56,953
+HK$2,851/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,204/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,321
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,166
−HK$1,875/mo
Today · 4.125%
HK$63,041
baseline
▲ 0.50% · 4.625%
HK$66,877
+HK$3,836/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,082/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,994
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,764
−HK$1,795/mo
Today · 4.125%
HK$69,559
baseline
▲ 0.50% · 4.625%
HK$73,226
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,118/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,978 · Scale 2, in force from 26 Feb 2026)