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$32,935
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$1,041/mo
Today · 4.125%
HK$35,001
baseline
▲ 0.50% · 4.625%
HK$37,131
+HK$2,130/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,002/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,640
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,623
−HK$997/mo
Today · 4.125%
HK$38,620
baseline
▲ 0.50% · 4.625%
HK$40,656
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,240/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,523
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,752
−HK$1,249/mo
Today · 4.125%
HK$42,001
baseline
▲ 0.50% · 4.625%
HK$44,557
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,002/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,968
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,148
−HK$1,196/mo
Today · 4.125%
HK$46,344
baseline
▲ 0.50% · 4.625%
HK$48,787
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,688/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,110
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,544
−HK$1,457/mo
Today · 4.125%
HK$49,001
baseline
▲ 0.50% · 4.625%
HK$51,983
+HK$2,982/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,002/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,297
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,672
−HK$1,396/mo
Today · 4.125%
HK$54,068
baseline
▲ 0.50% · 4.625%
HK$56,918
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,136/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,284
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,128
−HK$1,873/mo
Today · 4.125%
HK$63,001
baseline
▲ 0.50% · 4.625%
HK$66,835
+HK$3,834/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,002/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,953
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,722
−HK$1,794/mo
Today · 4.125%
HK$69,516
baseline
▲ 0.50% · 4.625%
HK$73,180
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,032/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,641 · Scale 2, in force from 26 Feb 2026)