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$32,983
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,009
−HK$1,042/mo
Today · 4.125%
HK$35,051
baseline
▲ 0.50% · 4.625%
HK$37,184
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,102/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,693
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,677
−HK$999/mo
Today · 4.125%
HK$38,676
baseline
▲ 0.50% · 4.625%
HK$40,714
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,352/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,580
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,811
−HK$1,251/mo
Today · 4.125%
HK$42,062
baseline
▲ 0.50% · 4.625%
HK$44,621
+HK$2,559/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,124/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,032
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,213
−HK$1,198/mo
Today · 4.125%
HK$46,411
baseline
▲ 0.50% · 4.625%
HK$48,857
+HK$2,446/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,822/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,176
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,613
−HK$1,459/mo
Today · 4.125%
HK$49,072
baseline
▲ 0.50% · 4.625%
HK$52,058
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,144/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,371
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,748
−HK$1,398/mo
Today · 4.125%
HK$54,146
baseline
▲ 0.50% · 4.625%
HK$57,000
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,292/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,370
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,216
−HK$1,877/mo
Today · 4.125%
HK$63,093
baseline
▲ 0.50% · 4.625%
HK$66,932
+HK$3,839/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,186/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,048
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,819
−HK$1,797/mo
Today · 4.125%
HK$69,616
baseline
▲ 0.50% · 4.625%
HK$73,286
+HK$3,670/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,232/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,425 · Scale 2, in force from 26 Feb 2026)