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$32,915
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$1,040/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$2,129/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,618
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$996/mo
Today · 4.125%
HK$38,596
baseline
▲ 0.50% · 4.625%
HK$40,631
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,192/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,498
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,727
−HK$1,248/mo
Today · 4.125%
HK$41,975
baseline
▲ 0.50% · 4.625%
HK$44,529
+HK$2,554/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$83,950/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,941
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,120
−HK$1,195/mo
Today · 4.125%
HK$46,315
baseline
▲ 0.50% · 4.625%
HK$48,757
+HK$2,442/mo
Deposit HK$5.77M · loan HK$8.66M · min. income ≈ HK$92,630/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,081
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,515
−HK$1,456/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,951
+HK$2,980/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,265
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,640
−HK$1,395/mo
Today · 4.125%
HK$54,035
baseline
▲ 0.50% · 4.625%
HK$56,883
+HK$2,848/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$108,070/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,247
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,090
−HK$1,873/mo
Today · 4.125%
HK$62,963
baseline
▲ 0.50% · 4.625%
HK$66,794
+HK$3,831/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$125,926/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,912
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,680
−HK$1,793/mo
Today · 4.125%
HK$69,473
baseline
▲ 0.50% · 4.625%
HK$73,135
+HK$3,662/mo
Deposit HK$1.44M · loan HK$12.99M · min. income ≈ HK$138,946/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$541,308 · Scale 2, in force from 26 Feb 2026)