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$32,923
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,947
−HK$1,041/mo
Today · 4.125%
HK$34,988
baseline
▲ 0.50% · 4.625%
HK$37,117
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,976/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,627
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,609
−HK$997/mo
Today · 4.125%
HK$38,606
baseline
▲ 0.50% · 4.625%
HK$40,640
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,212/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,508
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,737
−HK$1,248/mo
Today · 4.125%
HK$41,985
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,970/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,952
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,196/mo
Today · 4.125%
HK$46,327
baseline
▲ 0.50% · 4.625%
HK$48,769
+HK$2,442/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,654/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,092
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,526
−HK$1,457/mo
Today · 4.125%
HK$48,983
baseline
▲ 0.50% · 4.625%
HK$51,963
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,966/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,277
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,653
−HK$1,395/mo
Today · 4.125%
HK$54,048
baseline
▲ 0.50% · 4.625%
HK$56,897
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,096/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,262
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,105
−HK$1,873/mo
Today · 4.125%
HK$62,978
baseline
▲ 0.50% · 4.625%
HK$66,810
+HK$3,832/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,956/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,928
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,696
−HK$1,794/mo
Today · 4.125%
HK$69,490
baseline
▲ 0.50% · 4.625%
HK$73,153
+HK$3,663/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,980/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,439 · Scale 2, in force from 26 Feb 2026)