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$32,842
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,864
−HK$1,038/mo
Today · 4.125%
HK$34,902
baseline
▲ 0.50% · 4.625%
HK$37,025
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,804/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,537
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,516
−HK$994/mo
Today · 4.125%
HK$38,510
baseline
▲ 0.50% · 4.625%
HK$40,540
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,020/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,411
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,636
−HK$1,246/mo
Today · 4.125%
HK$41,882
baseline
▲ 0.50% · 4.625%
HK$44,430
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,764/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,844
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,020
−HK$1,193/mo
Today · 4.125%
HK$46,213
baseline
▲ 0.50% · 4.625%
HK$48,648
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,426/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,979
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,409
−HK$1,453/mo
Today · 4.125%
HK$48,862
baseline
▲ 0.50% · 4.625%
HK$51,835
+HK$2,973/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,724/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,151
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,523
−HK$1,392/mo
Today · 4.125%
HK$53,915
baseline
▲ 0.50% · 4.625%
HK$56,757
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,830/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,116
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,955
−HK$1,868/mo
Today · 4.125%
HK$62,823
baseline
▲ 0.50% · 4.625%
HK$66,645
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,646/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,766
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,530
−HK$1,789/mo
Today · 4.125%
HK$69,319
baseline
▲ 0.50% · 4.625%
HK$72,973
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,638/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,106 · Scale 2, in force from 26 Feb 2026)