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$32,929
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,953
−HK$1,041/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,633
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,615
−HK$997/mo
Today · 4.125%
HK$38,612
baseline
▲ 0.50% · 4.625%
HK$40,647
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,224/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,514
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,743
−HK$1,249/mo
Today · 4.125%
HK$41,992
baseline
▲ 0.50% · 4.625%
HK$44,547
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,984/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,959
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,138
−HK$1,196/mo
Today · 4.125%
HK$46,334
baseline
▲ 0.50% · 4.625%
HK$48,777
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,668/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,100
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,534
−HK$1,457/mo
Today · 4.125%
HK$48,991
baseline
▲ 0.50% · 4.625%
HK$51,972
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,982/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,286
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,661
−HK$1,396/mo
Today · 4.125%
HK$54,057
baseline
▲ 0.50% · 4.625%
HK$56,906
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,114/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,272
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,115
−HK$1,873/mo
Today · 4.125%
HK$62,988
baseline
▲ 0.50% · 4.625%
HK$66,821
+HK$3,833/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,976/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,939
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$1,794/mo
Today · 4.125%
HK$69,501
baseline
▲ 0.50% · 4.625%
HK$73,165
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,002/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,529 · Scale 2, in force from 26 Feb 2026)