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$32,968
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,993
−HK$1,042/mo
Today · 4.125%
HK$35,035
baseline
▲ 0.50% · 4.625%
HK$37,167
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,070/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,676
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,660
−HK$998/mo
Today · 4.125%
HK$38,658
baseline
▲ 0.50% · 4.625%
HK$40,695
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,316/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,561
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,792
−HK$1,250/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,600
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,011
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,192
−HK$1,197/mo
Today · 4.125%
HK$46,389
baseline
▲ 0.50% · 4.625%
HK$48,834
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,778/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,155
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,590
−HK$1,459/mo
Today · 4.125%
HK$49,049
baseline
▲ 0.50% · 4.625%
HK$52,033
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,098/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,346
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,724
−HK$1,397/mo
Today · 4.125%
HK$54,121
baseline
▲ 0.50% · 4.625%
HK$56,973
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,242/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,342
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,187
−HK$1,876/mo
Today · 4.125%
HK$63,063
baseline
▲ 0.50% · 4.625%
HK$66,900
+HK$3,837/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,126/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,017
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,787
−HK$1,797/mo
Today · 4.125%
HK$69,584
baseline
▲ 0.50% · 4.625%
HK$73,251
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,168/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,169 · Scale 2, in force from 26 Feb 2026)