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$32,938
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,962
−HK$1,041/mo
Today · 4.125%
HK$35,003
baseline
▲ 0.50% · 4.625%
HK$37,133
+HK$2,130/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,006/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,643
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,626
−HK$997/mo
Today · 4.125%
HK$38,623
baseline
▲ 0.50% · 4.625%
HK$40,658
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,246/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,525
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,755
−HK$1,249/mo
Today · 4.125%
HK$42,004
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,008/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,151
−HK$1,196/mo
Today · 4.125%
HK$46,347
baseline
▲ 0.50% · 4.625%
HK$48,790
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,694/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,113
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,547
−HK$1,457/mo
Today · 4.125%
HK$49,004
baseline
▲ 0.50% · 4.625%
HK$51,986
+HK$2,982/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,008/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,300
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,676
−HK$1,396/mo
Today · 4.125%
HK$54,072
baseline
▲ 0.50% · 4.625%
HK$56,922
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,144/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,288
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,132
−HK$1,874/mo
Today · 4.125%
HK$63,006
baseline
▲ 0.50% · 4.625%
HK$66,840
+HK$3,834/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,012/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,957
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,726
−HK$1,795/mo
Today · 4.125%
HK$69,521
baseline
▲ 0.50% · 4.625%
HK$73,185
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,042/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,679 · Scale 2, in force from 26 Feb 2026)