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$32,906
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,930
−HK$1,040/mo
Today · 4.125%
HK$34,970
baseline
▲ 0.50% · 4.625%
HK$37,098
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,940/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,608
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$996/mo
Today · 4.125%
HK$38,586
baseline
▲ 0.50% · 4.625%
HK$40,620
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,172/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,488
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,716
−HK$1,248/mo
Today · 4.125%
HK$41,964
baseline
▲ 0.50% · 4.625%
HK$44,517
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,928/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,930
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,108
−HK$1,195/mo
Today · 4.125%
HK$46,303
baseline
▲ 0.50% · 4.625%
HK$48,744
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,606/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,069
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,502
−HK$1,456/mo
Today · 4.125%
HK$48,958
baseline
▲ 0.50% · 4.625%
HK$51,937
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,916/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,251
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,626
−HK$1,394/mo
Today · 4.125%
HK$54,020
baseline
▲ 0.50% · 4.625%
HK$56,868
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,040/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,231
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,074
−HK$1,872/mo
Today · 4.125%
HK$62,946
baseline
▲ 0.50% · 4.625%
HK$66,776
+HK$3,830/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,892/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,894
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,662
−HK$1,792/mo
Today · 4.125%
HK$69,454
baseline
▲ 0.50% · 4.625%
HK$73,115
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,908/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,163 · Scale 2, in force from 26 Feb 2026)