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$32,920
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,944
−HK$1,041/mo
Today · 4.125%
HK$34,985
baseline
▲ 0.50% · 4.625%
HK$37,113
+HK$2,128/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,970/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,624
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,606
−HK$996/mo
Today · 4.125%
HK$38,602
baseline
▲ 0.50% · 4.625%
HK$40,637
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,204/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,504
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,733
−HK$1,249/mo
Today · 4.125%
HK$41,982
baseline
▲ 0.50% · 4.625%
HK$44,536
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,964/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,948
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,127
−HK$1,196/mo
Today · 4.125%
HK$46,323
baseline
▲ 0.50% · 4.625%
HK$48,764
+HK$2,441/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,646/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,088
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,522
−HK$1,457/mo
Today · 4.125%
HK$48,979
baseline
▲ 0.50% · 4.625%
HK$51,959
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,958/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,273
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,648
−HK$1,395/mo
Today · 4.125%
HK$54,043
baseline
▲ 0.50% · 4.625%
HK$56,892
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,086/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,257
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,100
−HK$1,873/mo
Today · 4.125%
HK$62,973
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,946/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,922
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,690
−HK$1,794/mo
Today · 4.125%
HK$69,484
baseline
▲ 0.50% · 4.625%
HK$73,147
+HK$3,663/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,968/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,392 · Scale 2, in force from 26 Feb 2026)