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$32,903
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,926
−HK$1,040/mo
Today · 4.125%
HK$34,966
baseline
▲ 0.50% · 4.625%
HK$37,094
+HK$2,128/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,932/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,604
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,586
−HK$996/mo
Today · 4.125%
HK$38,582
baseline
▲ 0.50% · 4.625%
HK$40,615
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,164/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,484
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,712
−HK$1,247/mo
Today · 4.125%
HK$41,959
baseline
▲ 0.50% · 4.625%
HK$44,513
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,918/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,925
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,103
−HK$1,195/mo
Today · 4.125%
HK$46,298
baseline
▲ 0.50% · 4.625%
HK$48,739
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,596/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,064
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,497
−HK$1,456/mo
Today · 4.125%
HK$48,953
baseline
▲ 0.50% · 4.625%
HK$51,931
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,906/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,246
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,620
−HK$1,395/mo
Today · 4.125%
HK$54,015
baseline
▲ 0.50% · 4.625%
HK$56,862
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,030/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,225
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,068
−HK$1,871/mo
Today · 4.125%
HK$62,939
baseline
▲ 0.50% · 4.625%
HK$66,769
+HK$3,830/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,878/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,888
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,655
−HK$1,792/mo
Today · 4.125%
HK$69,447
baseline
▲ 0.50% · 4.625%
HK$73,108
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,894/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,106 · Scale 2, in force from 26 Feb 2026)