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$32,960
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,986
−HK$1,041/mo
Today · 4.125%
HK$35,027
baseline
▲ 0.50% · 4.625%
HK$37,159
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,054/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,668
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,651
−HK$998/mo
Today · 4.125%
HK$38,649
baseline
▲ 0.50% · 4.625%
HK$40,686
+HK$2,037/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,298/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,552
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,250/mo
Today · 4.125%
HK$42,033
baseline
▲ 0.50% · 4.625%
HK$44,590
+HK$2,557/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,066/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,002
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,182
−HK$1,197/mo
Today · 4.125%
HK$46,379
baseline
▲ 0.50% · 4.625%
HK$48,824
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,758/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$542,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,144
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,580
−HK$1,458/mo
Today · 4.125%
HK$49,038
baseline
▲ 0.50% · 4.625%
HK$52,022
+HK$2,984/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,076/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,335
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,712
−HK$1,397/mo
Today · 4.125%
HK$54,109
baseline
▲ 0.50% · 4.625%
HK$56,961
+HK$2,852/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,218/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,329
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,174
−HK$1,875/mo
Today · 4.125%
HK$63,049
baseline
▲ 0.50% · 4.625%
HK$66,885
+HK$3,836/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,098/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,002
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,773
−HK$1,795/mo
Today · 4.125%
HK$69,568
baseline
▲ 0.50% · 4.625%
HK$73,235
+HK$3,667/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,136/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,050 · Scale 2, in force from 26 Feb 2026)