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$32,901
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,924
−HK$1,040/mo
Today · 4.125%
HK$34,964
baseline
▲ 0.50% · 4.625%
HK$37,091
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,928/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,601
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,583
−HK$996/mo
Today · 4.125%
HK$38,579
baseline
▲ 0.50% · 4.625%
HK$40,613
+HK$2,034/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,158/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,481
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,709
−HK$1,247/mo
Today · 4.125%
HK$41,956
baseline
▲ 0.50% · 4.625%
HK$44,509
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,912/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,922
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,100
−HK$1,195/mo
Today · 4.125%
HK$46,295
baseline
▲ 0.50% · 4.625%
HK$48,735
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,590/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,061
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,493
−HK$1,456/mo
Today · 4.125%
HK$48,949
baseline
▲ 0.50% · 4.625%
HK$51,928
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,898/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,242
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,616
−HK$1,395/mo
Today · 4.125%
HK$54,011
baseline
▲ 0.50% · 4.625%
HK$56,858
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,022/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,221
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,063
−HK$1,872/mo
Today · 4.125%
HK$62,935
baseline
▲ 0.50% · 4.625%
HK$66,764
+HK$3,829/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,870/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,883
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,650
−HK$1,792/mo
Today · 4.125%
HK$69,442
baseline
▲ 0.50% · 4.625%
HK$73,103
+HK$3,661/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,884/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,067 · Scale 2, in force from 26 Feb 2026)