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$32,992
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,018
−HK$1,042/mo
Today · 4.125%
HK$35,060
baseline
▲ 0.50% · 4.625%
HK$37,194
+HK$2,134/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$542,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,703
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,687
−HK$999/mo
Today · 4.125%
HK$38,686
baseline
▲ 0.50% · 4.625%
HK$40,725
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,372/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,590
−HK$2,482/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$542,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,043
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,224
−HK$1,199/mo
Today · 4.125%
HK$46,423
baseline
▲ 0.50% · 4.625%
HK$48,870
+HK$2,447/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,846/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,625
−HK$1,460/mo
Today · 4.125%
HK$49,085
baseline
▲ 0.50% · 4.625%
HK$52,071
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,170/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,384
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,762
−HK$1,398/mo
Today · 4.125%
HK$54,160
baseline
▲ 0.50% · 4.625%
HK$57,015
+HK$2,855/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,320/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,385
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,232
−HK$1,877/mo
Today · 4.125%
HK$63,109
baseline
▲ 0.50% · 4.625%
HK$66,949
+HK$3,840/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,218/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,065
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,837
−HK$1,797/mo
Today · 4.125%
HK$69,634
baseline
▲ 0.50% · 4.625%
HK$73,305
+HK$3,671/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,268/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,563 · Scale 2, in force from 26 Feb 2026)