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$32,832
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$1,037/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$37,014
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$994/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,528
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,399
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,624
−HK$1,246/mo
Today · 4.125%
HK$41,870
baseline
▲ 0.50% · 4.625%
HK$44,417
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,740/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,831
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,006
−HK$1,193/mo
Today · 4.125%
HK$46,199
baseline
▲ 0.50% · 4.625%
HK$48,634
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,398/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,965
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,395
−HK$1,453/mo
Today · 4.125%
HK$48,848
baseline
▲ 0.50% · 4.625%
HK$51,820
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,696/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,136
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,507
−HK$1,392/mo
Today · 4.125%
HK$53,899
baseline
▲ 0.50% · 4.625%
HK$56,740
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,798/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,098
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,937
−HK$1,867/mo
Today · 4.125%
HK$62,804
baseline
▲ 0.50% · 4.625%
HK$66,626
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,608/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,746
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,510
−HK$1,788/mo
Today · 4.125%
HK$69,298
baseline
▲ 0.50% · 4.625%
HK$72,951
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,596/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,946 · Scale 2, in force from 26 Feb 2026)