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$32,972
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,998
−HK$1,042/mo
Today · 4.125%
HK$35,040
baseline
▲ 0.50% · 4.625%
HK$37,172
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,080/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,681
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,665
−HK$998/mo
Today · 4.125%
HK$38,663
baseline
▲ 0.50% · 4.625%
HK$40,701
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,326/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,567
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,798
−HK$1,250/mo
Today · 4.125%
HK$42,048
baseline
▲ 0.50% · 4.625%
HK$44,606
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,096/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,018
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,198
−HK$1,198/mo
Today · 4.125%
HK$46,396
baseline
▲ 0.50% · 4.625%
HK$48,841
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,792/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,161
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,597
−HK$1,459/mo
Today · 4.125%
HK$49,056
baseline
▲ 0.50% · 4.625%
HK$52,041
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,112/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,354
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,731
−HK$1,397/mo
Today · 4.125%
HK$54,128
baseline
▲ 0.50% · 4.625%
HK$56,982
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,256/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,350
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,196
−HK$1,876/mo
Today · 4.125%
HK$63,072
baseline
▲ 0.50% · 4.625%
HK$66,910
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,144/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,026
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,797
−HK$1,797/mo
Today · 4.125%
HK$69,594
baseline
▲ 0.50% · 4.625%
HK$73,262
+HK$3,668/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,188/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,247 · Scale 2, in force from 26 Feb 2026)