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$32,906
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,929
−HK$1,040/mo
Today · 4.125%
HK$34,969
baseline
▲ 0.50% · 4.625%
HK$37,097
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,938/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,608
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,589
−HK$996/mo
Today · 4.125%
HK$38,585
baseline
▲ 0.50% · 4.625%
HK$40,619
+HK$2,034/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,170/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,487
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,248/mo
Today · 4.125%
HK$41,963
baseline
▲ 0.50% · 4.625%
HK$44,517
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,926/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,929
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,195/mo
Today · 4.125%
HK$46,302
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,604/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,068
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,501
−HK$1,456/mo
Today · 4.125%
HK$48,957
baseline
▲ 0.50% · 4.625%
HK$51,936
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,914/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,251
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,625
−HK$1,394/mo
Today · 4.125%
HK$54,019
baseline
▲ 0.50% · 4.625%
HK$56,867
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,038/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,231
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,073
−HK$1,872/mo
Today · 4.125%
HK$62,945
baseline
▲ 0.50% · 4.625%
HK$66,775
+HK$3,830/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,890/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,894
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,661
−HK$1,793/mo
Today · 4.125%
HK$69,454
baseline
▲ 0.50% · 4.625%
HK$73,115
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,908/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,156 · Scale 2, in force from 26 Feb 2026)