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$32,819
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,840
−HK$1,037/mo
Today · 4.125%
HK$34,877
baseline
▲ 0.50% · 4.625%
HK$36,999
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,754/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,511
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,490
−HK$993/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,512
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,383
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,608
−HK$1,244/mo
Today · 4.125%
HK$41,852
baseline
▲ 0.50% · 4.625%
HK$44,399
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,704/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,813
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,988
−HK$1,192/mo
Today · 4.125%
HK$46,180
baseline
▲ 0.50% · 4.625%
HK$48,614
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,360/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,947
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,376
−HK$1,452/mo
Today · 4.125%
HK$48,828
baseline
▲ 0.50% · 4.625%
HK$51,799
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,656/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,115
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,486
−HK$1,391/mo
Today · 4.125%
HK$53,877
baseline
▲ 0.50% · 4.625%
HK$56,717
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,754/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,074
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,912
−HK$1,867/mo
Today · 4.125%
HK$62,779
baseline
▲ 0.50% · 4.625%
HK$66,599
+HK$3,820/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,558/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,719
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,482
−HK$1,788/mo
Today · 4.125%
HK$69,270
baseline
▲ 0.50% · 4.625%
HK$72,921
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,540/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,726 · Scale 2, in force from 26 Feb 2026)