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$32,896
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,920
−HK$1,039/mo
Today · 4.125%
HK$34,959
baseline
▲ 0.50% · 4.625%
HK$37,086
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,918/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,597
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,578
−HK$996/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,607
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,476
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,704
−HK$1,247/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,094
−HK$1,195/mo
Today · 4.125%
HK$46,289
baseline
▲ 0.50% · 4.625%
HK$48,729
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,578/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,055
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,488
−HK$1,455/mo
Today · 4.125%
HK$48,943
baseline
▲ 0.50% · 4.625%
HK$51,921
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,886/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,236
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,610
−HK$1,394/mo
Today · 4.125%
HK$54,004
baseline
▲ 0.50% · 4.625%
HK$56,850
+HK$2,846/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,008/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,214
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,055
−HK$1,872/mo
Today · 4.125%
HK$62,927
baseline
▲ 0.50% · 4.625%
HK$66,756
+HK$3,829/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,854/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,874
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,641
−HK$1,792/mo
Today · 4.125%
HK$69,433
baseline
▲ 0.50% · 4.625%
HK$73,093
+HK$3,660/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,866/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,999 · Scale 2, in force from 26 Feb 2026)