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$32,975
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,001
−HK$1,042/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$37,176
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$998/mo
Today · 4.125%
HK$38,667
baseline
▲ 0.50% · 4.625%
HK$40,705
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,334/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,570
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,801
−HK$1,251/mo
Today · 4.125%
HK$42,052
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,559/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,104/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,022
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,198/mo
Today · 4.125%
HK$46,400
baseline
▲ 0.50% · 4.625%
HK$48,846
+HK$2,446/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,800/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,166
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,459/mo
Today · 4.125%
HK$49,061
baseline
▲ 0.50% · 4.625%
HK$52,046
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,122/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,359
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,736
−HK$1,397/mo
Today · 4.125%
HK$54,133
baseline
▲ 0.50% · 4.625%
HK$56,987
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,266/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,356
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,202
−HK$1,876/mo
Today · 4.125%
HK$63,078
baseline
▲ 0.50% · 4.625%
HK$66,916
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,156/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,033
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,804
−HK$1,796/mo
Today · 4.125%
HK$69,600
baseline
▲ 0.50% · 4.625%
HK$73,269
+HK$3,669/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,200/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,298 · Scale 2, in force from 26 Feb 2026)