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$32,834
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,855
−HK$1,038/mo
Today · 4.125%
HK$34,893
baseline
▲ 0.50% · 4.625%
HK$37,016
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,786/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,527
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,507
−HK$994/mo
Today · 4.125%
HK$38,501
baseline
▲ 0.50% · 4.625%
HK$40,530
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,002/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,401
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,626
−HK$1,245/mo
Today · 4.125%
HK$41,871
baseline
▲ 0.50% · 4.625%
HK$44,419
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,742/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,833
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,008
−HK$1,193/mo
Today · 4.125%
HK$46,201
baseline
▲ 0.50% · 4.625%
HK$48,636
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,402/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,967
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,397
−HK$1,453/mo
Today · 4.125%
HK$48,850
baseline
▲ 0.50% · 4.625%
HK$51,822
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,700/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,138
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,510
−HK$1,391/mo
Today · 4.125%
HK$53,901
baseline
▲ 0.50% · 4.625%
HK$56,742
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,802/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,101
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,939
−HK$1,868/mo
Today · 4.125%
HK$62,807
baseline
▲ 0.50% · 4.625%
HK$66,629
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,614/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,749
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,513
−HK$1,789/mo
Today · 4.125%
HK$69,302
baseline
▲ 0.50% · 4.625%
HK$72,954
+HK$3,652/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,604/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,971 · Scale 2, in force from 26 Feb 2026)