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$32,950
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,975
−HK$1,042/mo
Today · 4.125%
HK$35,017
baseline
▲ 0.50% · 4.625%
HK$37,147
+HK$2,130/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,034/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,657
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,640
−HK$997/mo
Today · 4.125%
HK$38,637
baseline
▲ 0.50% · 4.625%
HK$40,674
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,274/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,540
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,770
−HK$1,250/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,577
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,988
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,168
−HK$1,197/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,131
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,566
−HK$1,457/mo
Today · 4.125%
HK$49,023
baseline
▲ 0.50% · 4.625%
HK$52,006
+HK$2,983/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,046/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,320
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,696
−HK$1,396/mo
Today · 4.125%
HK$54,092
baseline
▲ 0.50% · 4.625%
HK$56,944
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,184/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,311
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,156
−HK$1,874/mo
Today · 4.125%
HK$63,030
baseline
▲ 0.50% · 4.625%
HK$66,865
+HK$3,835/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,060/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,983
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,752
−HK$1,795/mo
Today · 4.125%
HK$69,547
baseline
▲ 0.50% · 4.625%
HK$73,213
+HK$3,666/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,094/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,887 · Scale 2, in force from 26 Feb 2026)