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$32,843
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,865
−HK$1,038/mo
Today · 4.125%
HK$34,903
baseline
▲ 0.50% · 4.625%
HK$37,026
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,806/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,538
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,517
−HK$995/mo
Today · 4.125%
HK$38,512
baseline
▲ 0.50% · 4.625%
HK$40,542
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,024/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,412
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,638
−HK$1,245/mo
Today · 4.125%
HK$41,883
baseline
▲ 0.50% · 4.625%
HK$44,432
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,766/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,845
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,021
−HK$1,193/mo
Today · 4.125%
HK$46,214
baseline
▲ 0.50% · 4.625%
HK$48,650
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,428/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,980
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,411
−HK$1,453/mo
Today · 4.125%
HK$48,864
baseline
▲ 0.50% · 4.625%
HK$51,837
+HK$2,973/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,728/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,153
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,524
−HK$1,392/mo
Today · 4.125%
HK$53,916
baseline
▲ 0.50% · 4.625%
HK$56,758
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,832/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,118
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,956
−HK$1,869/mo
Today · 4.125%
HK$62,825
baseline
▲ 0.50% · 4.625%
HK$66,647
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,650/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,768
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,531
−HK$1,790/mo
Today · 4.125%
HK$69,321
baseline
▲ 0.50% · 4.625%
HK$72,975
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,642/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,122 · Scale 2, in force from 26 Feb 2026)