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$32,991
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,017
−HK$1,043/mo
Today · 4.125%
HK$35,060
baseline
▲ 0.50% · 4.625%
HK$37,193
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,120/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,702
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,687
−HK$998/mo
Today · 4.125%
HK$38,685
baseline
▲ 0.50% · 4.625%
HK$40,724
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,370/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,821
−HK$1,251/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,632
+HK$2,560/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,144/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,043
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,224
−HK$1,198/mo
Today · 4.125%
HK$46,422
baseline
▲ 0.50% · 4.625%
HK$48,869
+HK$2,447/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,844/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,624
−HK$1,460/mo
Today · 4.125%
HK$49,084
baseline
▲ 0.50% · 4.625%
HK$52,071
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,168/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,383
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,761
−HK$1,398/mo
Today · 4.125%
HK$54,159
baseline
▲ 0.50% · 4.625%
HK$57,014
+HK$2,855/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,318/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,384
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,231
−HK$1,877/mo
Today · 4.125%
HK$63,108
baseline
▲ 0.50% · 4.625%
HK$66,948
+HK$3,840/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,216/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,064
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,836
−HK$1,797/mo
Today · 4.125%
HK$69,633
baseline
▲ 0.50% · 4.625%
HK$73,304
+HK$3,671/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,266/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,557 · Scale 2, in force from 26 Feb 2026)