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$32,815
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,836
−HK$1,037/mo
Today · 4.125%
HK$34,873
baseline
▲ 0.50% · 4.625%
HK$36,995
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,746/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,507
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,486
−HK$993/mo
Today · 4.125%
HK$38,479
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,028/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,958/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,379
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,603
−HK$1,245/mo
Today · 4.125%
HK$41,848
baseline
▲ 0.50% · 4.625%
HK$44,394
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,696/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,808
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,983
−HK$1,192/mo
Today · 4.125%
HK$46,175
baseline
▲ 0.50% · 4.625%
HK$48,609
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,350/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,942
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,371
−HK$1,452/mo
Today · 4.125%
HK$48,823
baseline
▲ 0.50% · 4.625%
HK$51,793
+HK$2,970/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,646/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,110
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,480
−HK$1,391/mo
Today · 4.125%
HK$53,871
baseline
▲ 0.50% · 4.625%
HK$56,710
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,742/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,068
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,905
−HK$1,867/mo
Today · 4.125%
HK$62,772
baseline
▲ 0.50% · 4.625%
HK$66,591
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,544/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,712
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,475
−HK$1,788/mo
Today · 4.125%
HK$69,263
baseline
▲ 0.50% · 4.625%
HK$72,913
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,526/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,667 · Scale 2, in force from 26 Feb 2026)