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$32,905
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,928
−HK$1,040/mo
Today · 4.125%
HK$34,968
baseline
▲ 0.50% · 4.625%
HK$37,096
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,936/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,606
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,588
−HK$996/mo
Today · 4.125%
HK$38,584
baseline
▲ 0.50% · 4.625%
HK$40,618
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,168/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,486
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,714
−HK$1,248/mo
Today · 4.125%
HK$41,962
baseline
▲ 0.50% · 4.625%
HK$44,515
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,924/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,927
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,105
−HK$1,195/mo
Today · 4.125%
HK$46,300
baseline
▲ 0.50% · 4.625%
HK$48,741
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,600/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,066
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,499
−HK$1,456/mo
Today · 4.125%
HK$48,955
baseline
▲ 0.50% · 4.625%
HK$51,934
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,910/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,248
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,623
−HK$1,394/mo
Today · 4.125%
HK$54,017
baseline
▲ 0.50% · 4.625%
HK$56,865
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,034/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,228
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,071
−HK$1,871/mo
Today · 4.125%
HK$62,942
baseline
▲ 0.50% · 4.625%
HK$66,772
+HK$3,830/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,884/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,891
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,658
−HK$1,793/mo
Today · 4.125%
HK$69,451
baseline
▲ 0.50% · 4.625%
HK$73,112
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,902/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,133 · Scale 2, in force from 26 Feb 2026)