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$32,863
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,885
−HK$1,038/mo
Today · 4.125%
HK$34,923
baseline
▲ 0.50% · 4.625%
HK$37,048
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,846/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,559
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,540
−HK$994/mo
Today · 4.125%
HK$38,534
baseline
▲ 0.50% · 4.625%
HK$40,566
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,068/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,435
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,662
−HK$1,246/mo
Today · 4.125%
HK$41,908
baseline
▲ 0.50% · 4.625%
HK$44,458
+HK$2,550/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,816/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,871
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,048
−HK$1,193/mo
Today · 4.125%
HK$46,241
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,438/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,482/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,008
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,439
−HK$1,454/mo
Today · 4.125%
HK$48,893
baseline
▲ 0.50% · 4.625%
HK$51,868
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,786/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,183
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,556
−HK$1,392/mo
Today · 4.125%
HK$53,948
baseline
▲ 0.50% · 4.625%
HK$56,792
+HK$2,844/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,896/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,153
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,993
−HK$1,869/mo
Today · 4.125%
HK$62,862
baseline
▲ 0.50% · 4.625%
HK$66,687
+HK$3,825/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,724/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,807
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,572
−HK$1,790/mo
Today · 4.125%
HK$69,362
baseline
▲ 0.50% · 4.625%
HK$73,018
+HK$3,656/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,724/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,442 · Scale 2, in force from 26 Feb 2026)