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$32,953
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$1,042/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$37,151
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,040/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,660
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,644
−HK$997/mo
Today · 4.125%
HK$38,641
baseline
▲ 0.50% · 4.625%
HK$40,678
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,282/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,544
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,774
−HK$1,250/mo
Today · 4.125%
HK$42,024
baseline
▲ 0.50% · 4.625%
HK$44,581
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,048/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,992
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,172
−HK$1,197/mo
Today · 4.125%
HK$46,369
baseline
▲ 0.50% · 4.625%
HK$48,813
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,738/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,135
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,570
−HK$1,458/mo
Today · 4.125%
HK$49,028
baseline
▲ 0.50% · 4.625%
HK$52,011
+HK$2,983/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,056/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,324
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,701
−HK$1,396/mo
Today · 4.125%
HK$54,097
baseline
▲ 0.50% · 4.625%
HK$56,949
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,194/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,316
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,161
−HK$1,875/mo
Today · 4.125%
HK$63,036
baseline
▲ 0.50% · 4.625%
HK$66,871
+HK$3,835/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,072/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,989
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,758
−HK$1,796/mo
Today · 4.125%
HK$69,554
baseline
▲ 0.50% · 4.625%
HK$73,220
+HK$3,666/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,108/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,936 · Scale 2, in force from 26 Feb 2026)