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$32,978
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,004
−HK$1,042/mo
Today · 4.125%
HK$35,046
baseline
▲ 0.50% · 4.625%
HK$37,179
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,092/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,688
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,672
−HK$998/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$40,708
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,574
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,805
−HK$1,250/mo
Today · 4.125%
HK$42,055
baseline
▲ 0.50% · 4.625%
HK$44,614
+HK$2,559/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,110/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,025
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,206
−HK$1,198/mo
Today · 4.125%
HK$46,404
baseline
▲ 0.50% · 4.625%
HK$48,850
+HK$2,446/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,808/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,169
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,605
−HK$1,460/mo
Today · 4.125%
HK$49,065
baseline
▲ 0.50% · 4.625%
HK$52,050
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,130/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,363
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,740
−HK$1,398/mo
Today · 4.125%
HK$54,138
baseline
▲ 0.50% · 4.625%
HK$56,992
+HK$2,854/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,276/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,361
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,207
−HK$1,876/mo
Today · 4.125%
HK$63,083
baseline
▲ 0.50% · 4.625%
HK$66,921
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,166/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,038
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,809
−HK$1,797/mo
Today · 4.125%
HK$69,606
baseline
▲ 0.50% · 4.625%
HK$73,275
+HK$3,669/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,212/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,343 · Scale 2, in force from 26 Feb 2026)