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$32,930
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,954
−HK$1,041/mo
Today · 4.125%
HK$34,995
baseline
▲ 0.50% · 4.625%
HK$37,124
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,990/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,634
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,616
−HK$997/mo
Today · 4.125%
HK$38,613
baseline
▲ 0.50% · 4.625%
HK$40,648
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,226/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,515
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,745
−HK$1,248/mo
Today · 4.125%
HK$41,993
baseline
▲ 0.50% · 4.625%
HK$44,549
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,986/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,961
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,140
−HK$1,196/mo
Today · 4.125%
HK$46,336
baseline
▲ 0.50% · 4.625%
HK$48,778
+HK$2,442/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,672/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,101
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,535
−HK$1,457/mo
Today · 4.125%
HK$48,992
baseline
▲ 0.50% · 4.625%
HK$51,973
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,984/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,287
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,663
−HK$1,395/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$56,908
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,273
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,117
−HK$1,873/mo
Today · 4.125%
HK$62,990
baseline
▲ 0.50% · 4.625%
HK$66,823
+HK$3,833/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,980/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,941
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,709
−HK$1,794/mo
Today · 4.125%
HK$69,503
baseline
▲ 0.50% · 4.625%
HK$73,167
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,006/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,544 · Scale 2, in force from 26 Feb 2026)