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$32,974
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,999
−HK$1,042/mo
Today · 4.125%
HK$35,041
baseline
▲ 0.50% · 4.625%
HK$37,174
+HK$2,133/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,082/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,683
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,667
−HK$998/mo
Today · 4.125%
HK$38,665
baseline
▲ 0.50% · 4.625%
HK$40,703
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,330/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,568
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,799
−HK$1,251/mo
Today · 4.125%
HK$42,050
baseline
▲ 0.50% · 4.625%
HK$44,608
+HK$2,558/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,100/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,019
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,200
−HK$1,198/mo
Today · 4.125%
HK$46,398
baseline
▲ 0.50% · 4.625%
HK$48,843
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,796/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,163
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,599
−HK$1,459/mo
Today · 4.125%
HK$49,058
baseline
▲ 0.50% · 4.625%
HK$52,043
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,116/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,356
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,733
−HK$1,398/mo
Today · 4.125%
HK$54,131
baseline
▲ 0.50% · 4.625%
HK$56,984
+HK$2,853/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,262/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,353
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,199
−HK$1,876/mo
Today · 4.125%
HK$63,075
baseline
▲ 0.50% · 4.625%
HK$66,912
+HK$3,837/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,150/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,029
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,800
−HK$1,797/mo
Today · 4.125%
HK$69,597
baseline
▲ 0.50% · 4.625%
HK$73,265
+HK$3,668/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,194/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,270 · Scale 2, in force from 26 Feb 2026)