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$32,820
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,841
−HK$1,037/mo
Today · 4.125%
HK$34,878
baseline
▲ 0.50% · 4.625%
HK$37,000
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,756/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,512
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,491
−HK$993/mo
Today · 4.125%
HK$38,484
baseline
▲ 0.50% · 4.625%
HK$40,513
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,968/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,384
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,609
−HK$1,245/mo
Today · 4.125%
HK$41,854
baseline
▲ 0.50% · 4.625%
HK$44,400
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,708/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,814
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,989
−HK$1,192/mo
Today · 4.125%
HK$46,181
baseline
▲ 0.50% · 4.625%
HK$48,616
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,362/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,948
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,377
−HK$1,452/mo
Today · 4.125%
HK$48,829
baseline
▲ 0.50% · 4.625%
HK$51,800
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,658/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,116
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,487
−HK$1,391/mo
Today · 4.125%
HK$53,878
baseline
▲ 0.50% · 4.625%
HK$56,718
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,756/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,076
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,913
−HK$1,867/mo
Today · 4.125%
HK$62,780
baseline
▲ 0.50% · 4.625%
HK$66,600
+HK$3,820/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,560/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,721
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,484
−HK$1,788/mo
Today · 4.125%
HK$69,272
baseline
▲ 0.50% · 4.625%
HK$72,923
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,544/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,740 · Scale 2, in force from 26 Feb 2026)