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$33,922
−HK$1,040/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$37,089
+HK$2,127/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$541,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,599
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,581
−HK$996/mo
Today · 4.125%
HK$38,577
baseline
▲ 0.50% · 4.625%
HK$40,610
+HK$2,033/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$541,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,478
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,706
−HK$1,248/mo
Today · 4.125%
HK$41,954
baseline
▲ 0.50% · 4.625%
HK$44,507
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,908/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,919
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,097
−HK$1,195/mo
Today · 4.125%
HK$46,292
baseline
▲ 0.50% · 4.625%
HK$48,732
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,584/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,058
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,491
−HK$1,455/mo
Today · 4.125%
HK$48,946
baseline
▲ 0.50% · 4.625%
HK$51,924
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,892/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,239
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,613
−HK$1,394/mo
Today · 4.125%
HK$54,007
baseline
▲ 0.50% · 4.625%
HK$56,854
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,014/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,217
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,059
−HK$1,872/mo
Today · 4.125%
HK$62,931
baseline
▲ 0.50% · 4.625%
HK$66,760
+HK$3,829/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,862/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,879
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,646
−HK$1,792/mo
Today · 4.125%
HK$69,438
baseline
▲ 0.50% · 4.625%
HK$73,098
+HK$3,660/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,876/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,034 · Scale 2, in force from 26 Feb 2026)