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$32,990
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,017
−HK$1,042/mo
Today · 4.125%
HK$35,059
baseline
▲ 0.50% · 4.625%
HK$37,193
+HK$2,134/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,118/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,702
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,686
−HK$998/mo
Today · 4.125%
HK$38,684
baseline
▲ 0.50% · 4.625%
HK$40,724
+HK$2,040/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,368/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,820
−HK$1,251/mo
Today · 4.125%
HK$42,071
baseline
▲ 0.50% · 4.625%
HK$44,631
+HK$2,560/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,142/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,042
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,223
−HK$1,198/mo
Today · 4.125%
HK$46,421
baseline
▲ 0.50% · 4.625%
HK$48,868
+HK$2,447/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,842/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,187
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,623
−HK$1,460/mo
Today · 4.125%
HK$49,083
baseline
▲ 0.50% · 4.625%
HK$52,070
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,166/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,382
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,760
−HK$1,398/mo
Today · 4.125%
HK$54,158
baseline
▲ 0.50% · 4.625%
HK$57,013
+HK$2,855/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,316/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,383
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,230
−HK$1,877/mo
Today · 4.125%
HK$63,107
baseline
▲ 0.50% · 4.625%
HK$66,947
+HK$3,840/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,214/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,063
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,835
−HK$1,797/mo
Today · 4.125%
HK$69,632
baseline
▲ 0.50% · 4.625%
HK$73,302
+HK$3,670/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,264/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,546 · Scale 2, in force from 26 Feb 2026)