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$32,893
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,916
−HK$1,040/mo
Today · 4.125%
HK$34,956
baseline
▲ 0.50% · 4.625%
HK$37,083
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,912/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,593
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,575
−HK$995/mo
Today · 4.125%
HK$38,570
baseline
▲ 0.50% · 4.625%
HK$40,603
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,140/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,472
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,699
−HK$1,248/mo
Today · 4.125%
HK$41,947
baseline
▲ 0.50% · 4.625%
HK$44,499
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,894/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,912
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,090
−HK$1,194/mo
Today · 4.125%
HK$46,284
baseline
▲ 0.50% · 4.625%
HK$48,724
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,568/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,050
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,483
−HK$1,455/mo
Today · 4.125%
HK$48,938
baseline
▲ 0.50% · 4.625%
HK$51,916
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,876/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,230
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,604
−HK$1,394/mo
Today · 4.125%
HK$53,998
baseline
▲ 0.50% · 4.625%
HK$56,845
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,996/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,208
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,049
−HK$1,871/mo
Today · 4.125%
HK$62,920
baseline
▲ 0.50% · 4.625%
HK$66,749
+HK$3,829/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,840/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,868
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,634
−HK$1,792/mo
Today · 4.125%
HK$69,426
baseline
▲ 0.50% · 4.625%
HK$73,086
+HK$3,660/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,852/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,944 · Scale 2, in force from 26 Feb 2026)