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$32,975
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,001
−HK$1,042/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$37,175
+HK$2,132/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,684
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,668
−HK$998/mo
Today · 4.125%
HK$38,666
baseline
▲ 0.50% · 4.625%
HK$40,704
+HK$2,038/mo
Deposit HK$7.23M · loan HK$7.23M · min. income ≈ HK$77,332/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$542,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,570
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,801
−HK$1,250/mo
Today · 4.125%
HK$42,051
baseline
▲ 0.50% · 4.625%
HK$44,610
+HK$2,559/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$84,102/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,021
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,198/mo
Today · 4.125%
HK$46,400
baseline
▲ 0.50% · 4.625%
HK$48,845
+HK$2,445/mo
Deposit HK$5.78M · loan HK$8.68M · min. income ≈ HK$92,800/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,165
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,601
−HK$1,459/mo
Today · 4.125%
HK$49,060
baseline
▲ 0.50% · 4.625%
HK$52,045
+HK$2,985/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$98,120/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,358
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,735
−HK$1,398/mo
Today · 4.125%
HK$54,133
baseline
▲ 0.50% · 4.625%
HK$56,986
+HK$2,853/mo
Deposit HK$4.34M · loan HK$10.12M · min. income ≈ HK$108,266/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,355
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,201
−HK$1,876/mo
Today · 4.125%
HK$63,077
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,838/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$126,154/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,032
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,803
−HK$1,796/mo
Today · 4.125%
HK$69,599
baseline
▲ 0.50% · 4.625%
HK$73,268
+HK$3,669/mo
Deposit HK$1.45M · loan HK$13.01M · min. income ≈ HK$139,198/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,291 · Scale 2, in force from 26 Feb 2026)