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$32,909
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,932
−HK$1,040/mo
Today · 4.125%
HK$34,972
baseline
▲ 0.50% · 4.625%
HK$37,100
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,944/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,611
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,593
−HK$996/mo
Today · 4.125%
HK$38,589
baseline
▲ 0.50% · 4.625%
HK$40,623
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,178/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,491
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,719
−HK$1,248/mo
Today · 4.125%
HK$41,967
baseline
▲ 0.50% · 4.625%
HK$44,520
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,934/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,933
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,111
−HK$1,195/mo
Today · 4.125%
HK$46,306
baseline
▲ 0.50% · 4.625%
HK$48,747
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,612/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,072
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,505
−HK$1,456/mo
Today · 4.125%
HK$48,961
baseline
▲ 0.50% · 4.625%
HK$51,941
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,922/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,255
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,630
−HK$1,394/mo
Today · 4.125%
HK$54,024
baseline
▲ 0.50% · 4.625%
HK$56,872
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,048/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,236
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,078
−HK$1,872/mo
Today · 4.125%
HK$62,950
baseline
▲ 0.50% · 4.625%
HK$66,781
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,900/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,899
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,667
−HK$1,793/mo
Today · 4.125%
HK$69,460
baseline
▲ 0.50% · 4.625%
HK$73,121
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,920/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,202 · Scale 2, in force from 26 Feb 2026)