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$32,860
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,882
−HK$1,039/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$37,046
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,537
−HK$995/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,563
+HK$2,031/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,432
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,659
−HK$1,246/mo
Today · 4.125%
HK$41,905
baseline
▲ 0.50% · 4.625%
HK$44,455
+HK$2,550/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,810/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,868
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,045
−HK$1,193/mo
Today · 4.125%
HK$46,238
baseline
▲ 0.50% · 4.625%
HK$48,675
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,476/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,004
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,435
−HK$1,454/mo
Today · 4.125%
HK$48,889
baseline
▲ 0.50% · 4.625%
HK$51,864
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,778/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,179
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,552
−HK$1,393/mo
Today · 4.125%
HK$53,945
baseline
▲ 0.50% · 4.625%
HK$56,788
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,890/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,149
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,988
−HK$1,870/mo
Today · 4.125%
HK$62,858
baseline
▲ 0.50% · 4.625%
HK$66,682
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,716/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,802
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,567
−HK$1,790/mo
Today · 4.125%
HK$69,357
baseline
▲ 0.50% · 4.625%
HK$73,013
+HK$3,656/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,714/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,405 · Scale 2, in force from 26 Feb 2026)