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$32,914
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,937
−HK$1,041/mo
Today · 4.125%
HK$34,978
baseline
▲ 0.50% · 4.625%
HK$37,106
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,956/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,616
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,598
−HK$996/mo
Today · 4.125%
HK$38,594
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,188/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,496
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,725
−HK$1,248/mo
Today · 4.125%
HK$41,973
baseline
▲ 0.50% · 4.625%
HK$44,527
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,946/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,939
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,118
−HK$1,195/mo
Today · 4.125%
HK$46,313
baseline
▲ 0.50% · 4.625%
HK$48,754
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,626/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,079
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,512
−HK$1,457/mo
Today · 4.125%
HK$48,969
baseline
▲ 0.50% · 4.625%
HK$51,948
+HK$2,979/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,938/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,262
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,637
−HK$1,395/mo
Today · 4.125%
HK$54,032
baseline
▲ 0.50% · 4.625%
HK$56,880
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,064/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,244
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,087
−HK$1,873/mo
Today · 4.125%
HK$62,960
baseline
▲ 0.50% · 4.625%
HK$66,791
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,920/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,909
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,677
−HK$1,793/mo
Today · 4.125%
HK$69,470
baseline
▲ 0.50% · 4.625%
HK$73,132
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,940/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,282 · Scale 2, in force from 26 Feb 2026)