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$32,890
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,913
−HK$1,040/mo
Today · 4.125%
HK$34,953
baseline
▲ 0.50% · 4.625%
HK$37,080
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,906/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,590
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,571
−HK$996/mo
Today · 4.125%
HK$38,567
baseline
▲ 0.50% · 4.625%
HK$40,600
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,134/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,468
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,696
−HK$1,247/mo
Today · 4.125%
HK$41,943
baseline
▲ 0.50% · 4.625%
HK$44,496
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,886/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,908
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,086
−HK$1,194/mo
Today · 4.125%
HK$46,280
baseline
▲ 0.50% · 4.625%
HK$48,720
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,560/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,046
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,479
−HK$1,455/mo
Today · 4.125%
HK$48,934
baseline
▲ 0.50% · 4.625%
HK$51,912
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,868/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,226
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,600
−HK$1,394/mo
Today · 4.125%
HK$53,994
baseline
▲ 0.50% · 4.625%
HK$56,840
+HK$2,846/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,988/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,203
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,044
−HK$1,871/mo
Today · 4.125%
HK$62,915
baseline
▲ 0.50% · 4.625%
HK$66,743
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,830/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,862
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,629
−HK$1,792/mo
Today · 4.125%
HK$69,421
baseline
▲ 0.50% · 4.625%
HK$73,080
+HK$3,659/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,842/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,899 · Scale 2, in force from 26 Feb 2026)