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$32,989
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,015
−HK$1,043/mo
Today · 4.125%
HK$35,058
baseline
▲ 0.50% · 4.625%
HK$37,191
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,116/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,700
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,684
−HK$999/mo
Today · 4.125%
HK$38,683
baseline
▲ 0.50% · 4.625%
HK$40,722
+HK$2,039/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,366/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,587
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,818
−HK$1,251/mo
Today · 4.125%
HK$42,069
baseline
▲ 0.50% · 4.625%
HK$44,629
+HK$2,560/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,138/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,040
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,221
−HK$1,198/mo
Today · 4.125%
HK$46,419
baseline
▲ 0.50% · 4.625%
HK$48,866
+HK$2,447/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,838/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,185
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,621
−HK$1,460/mo
Today · 4.125%
HK$49,081
baseline
▲ 0.50% · 4.625%
HK$52,067
+HK$2,986/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,162/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,380
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,758
−HK$1,398/mo
Today · 4.125%
HK$54,156
baseline
▲ 0.50% · 4.625%
HK$57,010
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,312/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,380
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,227
−HK$1,877/mo
Today · 4.125%
HK$63,104
baseline
▲ 0.50% · 4.625%
HK$66,943
+HK$3,839/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,208/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,060
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,831
−HK$1,798/mo
Today · 4.125%
HK$69,629
baseline
▲ 0.50% · 4.625%
HK$73,299
+HK$3,670/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,258/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,521 · Scale 2, in force from 26 Feb 2026)