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$32,946
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,971
−HK$1,041/mo
Today · 4.125%
HK$35,012
baseline
▲ 0.50% · 4.625%
HK$37,143
+HK$2,131/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,024/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,653
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,636
−HK$997/mo
Today · 4.125%
HK$38,633
baseline
▲ 0.50% · 4.625%
HK$40,669
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,266/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,536
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,765
−HK$1,250/mo
Today · 4.125%
HK$42,015
baseline
▲ 0.50% · 4.625%
HK$44,571
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,030/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,983
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,163
−HK$1,196/mo
Today · 4.125%
HK$46,359
baseline
▲ 0.50% · 4.625%
HK$48,803
+HK$2,444/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,718/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,125
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,560
−HK$1,457/mo
Today · 4.125%
HK$49,017
baseline
▲ 0.50% · 4.625%
HK$52,000
+HK$2,983/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,034/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,314
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,690
−HK$1,396/mo
Today · 4.125%
HK$54,086
baseline
▲ 0.50% · 4.625%
HK$56,937
+HK$2,851/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,172/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,304
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,148
−HK$1,874/mo
Today · 4.125%
HK$63,022
baseline
▲ 0.50% · 4.625%
HK$66,857
+HK$3,835/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,044/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,975
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,744
−HK$1,795/mo
Today · 4.125%
HK$69,539
baseline
▲ 0.50% · 4.625%
HK$73,204
+HK$3,665/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,078/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,821 · Scale 2, in force from 26 Feb 2026)