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$32,830
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,852
−HK$1,037/mo
Today · 4.125%
HK$34,889
baseline
▲ 0.50% · 4.625%
HK$37,012
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,778/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,523
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,503
−HK$994/mo
Today · 4.125%
HK$38,497
baseline
▲ 0.50% · 4.625%
HK$40,526
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,994/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,396
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,245/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,414
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,828
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,004
−HK$1,192/mo
Today · 4.125%
HK$46,196
baseline
▲ 0.50% · 4.625%
HK$48,631
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,392/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,963
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,392
−HK$1,453/mo
Today · 4.125%
HK$48,845
baseline
▲ 0.50% · 4.625%
HK$51,817
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,690/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,133
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,504
−HK$1,391/mo
Today · 4.125%
HK$53,895
baseline
▲ 0.50% · 4.625%
HK$56,736
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,790/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,095
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,933
−HK$1,867/mo
Today · 4.125%
HK$62,800
baseline
▲ 0.50% · 4.625%
HK$66,622
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,600/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,742
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,505
−HK$1,789/mo
Today · 4.125%
HK$69,294
baseline
▲ 0.50% · 4.625%
HK$72,947
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,588/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,913 · Scale 2, in force from 26 Feb 2026)