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$32,899
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,923
−HK$1,039/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$37,090
+HK$2,128/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,924/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$541,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,600
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,582
−HK$995/mo
Today · 4.125%
HK$38,577
baseline
▲ 0.50% · 4.625%
HK$40,611
+HK$2,034/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,154/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$541,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,479
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,707
−HK$1,248/mo
Today · 4.125%
HK$41,955
baseline
▲ 0.50% · 4.625%
HK$44,508
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,910/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,920
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,195/mo
Today · 4.125%
HK$46,293
baseline
▲ 0.50% · 4.625%
HK$48,733
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,586/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,059
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,492
−HK$1,455/mo
Today · 4.125%
HK$48,947
baseline
▲ 0.50% · 4.625%
HK$51,926
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,894/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,240
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,614
−HK$1,394/mo
Today · 4.125%
HK$54,008
baseline
▲ 0.50% · 4.625%
HK$56,855
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,016/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,219
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,061
−HK$1,871/mo
Today · 4.125%
HK$62,932
baseline
▲ 0.50% · 4.625%
HK$66,761
+HK$3,829/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,864/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,880
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,647
−HK$1,792/mo
Today · 4.125%
HK$69,439
baseline
▲ 0.50% · 4.625%
HK$73,100
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,878/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,045 · Scale 2, in force from 26 Feb 2026)