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$32,944
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,969
−HK$1,041/mo
Today · 4.125%
HK$35,010
baseline
▲ 0.50% · 4.625%
HK$37,140
+HK$2,130/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$70,020/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,650
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,633
−HK$997/mo
Today · 4.125%
HK$38,630
baseline
▲ 0.50% · 4.625%
HK$40,666
+HK$2,036/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,260/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$541,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,533
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,762
−HK$1,250/mo
Today · 4.125%
HK$42,012
baseline
▲ 0.50% · 4.625%
HK$44,568
+HK$2,556/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$84,024/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,980
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,159
−HK$1,197/mo
Today · 4.125%
HK$46,356
baseline
▲ 0.50% · 4.625%
HK$48,799
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,712/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,121
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,556
−HK$1,458/mo
Today · 4.125%
HK$49,014
baseline
▲ 0.50% · 4.625%
HK$51,996
+HK$2,982/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$98,028/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,310
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,686
−HK$1,396/mo
Today · 4.125%
HK$54,082
baseline
▲ 0.50% · 4.625%
HK$56,932
+HK$2,850/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,164/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$541,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,299
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,143
−HK$1,874/mo
Today · 4.125%
HK$63,017
baseline
▲ 0.50% · 4.625%
HK$66,852
+HK$3,835/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$126,034/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,969
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,739
−HK$1,794/mo
Today · 4.125%
HK$69,533
baseline
▲ 0.50% · 4.625%
HK$73,199
+HK$3,666/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,066/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,778 · Scale 2, in force from 26 Feb 2026)