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$32,900
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,924
−HK$1,039/mo
Today · 4.125%
HK$34,963
baseline
▲ 0.50% · 4.625%
HK$37,091
+HK$2,128/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,926/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,601
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,583
−HK$996/mo
Today · 4.125%
HK$38,579
baseline
▲ 0.50% · 4.625%
HK$40,612
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,158/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,480
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,708
−HK$1,248/mo
Today · 4.125%
HK$41,956
baseline
▲ 0.50% · 4.625%
HK$44,509
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,912/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,922
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,100
−HK$1,195/mo
Today · 4.125%
HK$46,295
baseline
▲ 0.50% · 4.625%
HK$48,735
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,590/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$541,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,060
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,493
−HK$1,456/mo
Today · 4.125%
HK$48,949
baseline
▲ 0.50% · 4.625%
HK$51,927
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,898/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,242
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,616
−HK$1,394/mo
Today · 4.125%
HK$54,010
baseline
▲ 0.50% · 4.625%
HK$56,857
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,020/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,221
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,063
−HK$1,871/mo
Today · 4.125%
HK$62,934
baseline
▲ 0.50% · 4.625%
HK$66,764
+HK$3,830/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,868/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,882
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,649
−HK$1,793/mo
Today · 4.125%
HK$69,442
baseline
▲ 0.50% · 4.625%
HK$73,102
+HK$3,660/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,884/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,064 · Scale 2, in force from 26 Feb 2026)