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$32,912
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,936
−HK$1,040/mo
Today · 4.125%
HK$34,976
baseline
▲ 0.50% · 4.625%
HK$37,104
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,952/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,614
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,596
−HK$996/mo
Today · 4.125%
HK$38,592
baseline
▲ 0.50% · 4.625%
HK$40,627
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,184/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,494
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,723
−HK$1,248/mo
Today · 4.125%
HK$41,971
baseline
▲ 0.50% · 4.625%
HK$44,525
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,942/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,937
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,115
−HK$1,196/mo
Today · 4.125%
HK$46,311
baseline
▲ 0.50% · 4.625%
HK$48,752
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,622/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,077
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,510
−HK$1,456/mo
Today · 4.125%
HK$48,966
baseline
▲ 0.50% · 4.625%
HK$51,946
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,932/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,260
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,394/mo
Today · 4.125%
HK$54,029
baseline
▲ 0.50% · 4.625%
HK$56,877
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,058/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,241
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,084
−HK$1,872/mo
Today · 4.125%
HK$62,956
baseline
▲ 0.50% · 4.625%
HK$66,787
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,912/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,906
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,673
−HK$1,793/mo
Today · 4.125%
HK$69,466
baseline
▲ 0.50% · 4.625%
HK$73,128
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,932/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,254 · Scale 2, in force from 26 Feb 2026)