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$32,925
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,949
−HK$1,040/mo
Today · 4.125%
HK$34,989
baseline
▲ 0.50% · 4.625%
HK$37,118
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,978/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,628
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,611
−HK$996/mo
Today · 4.125%
HK$38,607
baseline
▲ 0.50% · 4.625%
HK$40,642
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,214/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,509
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,738
−HK$1,249/mo
Today · 4.125%
HK$41,987
baseline
▲ 0.50% · 4.625%
HK$44,542
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$83,974/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,954
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,133
−HK$1,196/mo
Today · 4.125%
HK$46,329
baseline
▲ 0.50% · 4.625%
HK$48,771
+HK$2,442/mo
Deposit HK$5.78M · loan HK$8.66M · min. income ≈ HK$92,658/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,094
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,528
−HK$1,457/mo
Today · 4.125%
HK$48,985
baseline
▲ 0.50% · 4.625%
HK$51,966
+HK$2,981/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,970/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,280
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,655
−HK$1,395/mo
Today · 4.125%
HK$54,050
baseline
▲ 0.50% · 4.625%
HK$56,899
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,100/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,264
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,108
−HK$1,873/mo
Today · 4.125%
HK$62,981
baseline
▲ 0.50% · 4.625%
HK$66,813
+HK$3,832/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,962/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,931
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,699
−HK$1,794/mo
Today · 4.125%
HK$69,493
baseline
▲ 0.50% · 4.625%
HK$73,156
+HK$3,663/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$138,986/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,462 · Scale 2, in force from 26 Feb 2026)