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$32,954
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,979
−HK$1,041/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$37,151
+HK$2,131/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,040/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,661
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,644
−HK$998/mo
Today · 4.125%
HK$38,642
baseline
▲ 0.50% · 4.625%
HK$40,678
+HK$2,036/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,284/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,545
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,775
−HK$1,249/mo
Today · 4.125%
HK$42,024
baseline
▲ 0.50% · 4.625%
HK$44,582
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,048/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,993
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,173
−HK$1,197/mo
Today · 4.125%
HK$46,370
baseline
▲ 0.50% · 4.625%
HK$48,814
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,740/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,135
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,570
−HK$1,458/mo
Today · 4.125%
HK$49,028
baseline
▲ 0.50% · 4.625%
HK$52,012
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,056/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,325
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,702
−HK$1,396/mo
Today · 4.125%
HK$54,098
baseline
▲ 0.50% · 4.625%
HK$56,950
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,196/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,317
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,162
−HK$1,875/mo
Today · 4.125%
HK$63,037
baseline
▲ 0.50% · 4.625%
HK$66,872
+HK$3,835/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,074/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,990
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,759
−HK$1,796/mo
Today · 4.125%
HK$69,555
baseline
▲ 0.50% · 4.625%
HK$73,221
+HK$3,666/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,110/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,944 · Scale 2, in force from 26 Feb 2026)