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$32,951
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,975
−HK$1,042/mo
Today · 4.125%
HK$35,017
baseline
▲ 0.50% · 4.625%
HK$37,147
+HK$2,130/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,034/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,657
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,640
−HK$998/mo
Today · 4.125%
HK$38,638
baseline
▲ 0.50% · 4.625%
HK$40,674
+HK$2,036/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,276/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,541
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,771
−HK$1,249/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,577
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,989
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,168
−HK$1,197/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,131
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,566
−HK$1,458/mo
Today · 4.125%
HK$49,024
baseline
▲ 0.50% · 4.625%
HK$52,006
+HK$2,982/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,048/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,320
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,696
−HK$1,397/mo
Today · 4.125%
HK$54,093
baseline
▲ 0.50% · 4.625%
HK$56,944
+HK$2,851/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,186/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,311
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,156
−HK$1,874/mo
Today · 4.125%
HK$63,030
baseline
▲ 0.50% · 4.625%
HK$66,865
+HK$3,835/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,060/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,983
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,752
−HK$1,796/mo
Today · 4.125%
HK$69,548
baseline
▲ 0.50% · 4.625%
HK$73,214
+HK$3,666/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,096/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,889 · Scale 2, in force from 26 Feb 2026)