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$32,959
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,984
−HK$1,042/mo
Today · 4.125%
HK$35,026
baseline
▲ 0.50% · 4.625%
HK$37,157
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,052/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,667
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,650
−HK$998/mo
Today · 4.125%
HK$38,648
baseline
▲ 0.50% · 4.625%
HK$40,685
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,296/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,551
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,781
−HK$1,250/mo
Today · 4.125%
HK$42,031
baseline
▲ 0.50% · 4.625%
HK$44,589
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,062/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,000
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,180
−HK$1,197/mo
Today · 4.125%
HK$46,377
baseline
▲ 0.50% · 4.625%
HK$48,822
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,754/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,143
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,458/mo
Today · 4.125%
HK$49,036
baseline
▲ 0.50% · 4.625%
HK$52,020
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,072/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,333
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,397/mo
Today · 4.125%
HK$54,107
baseline
▲ 0.50% · 4.625%
HK$56,959
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,214/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,327
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,172
−HK$1,875/mo
Today · 4.125%
HK$63,047
baseline
▲ 0.50% · 4.625%
HK$66,883
+HK$3,836/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,094/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,000
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,770
−HK$1,796/mo
Today · 4.125%
HK$69,566
baseline
▲ 0.50% · 4.625%
HK$73,233
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,132/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,031 · Scale 2, in force from 26 Feb 2026)