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$32,846
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,867
−HK$1,038/mo
Today · 4.125%
HK$34,905
baseline
▲ 0.50% · 4.625%
HK$37,029
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,810/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,540
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,520
−HK$994/mo
Today · 4.125%
HK$38,514
baseline
▲ 0.50% · 4.625%
HK$40,545
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,028/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,415
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,641
−HK$1,245/mo
Today · 4.125%
HK$41,886
baseline
▲ 0.50% · 4.625%
HK$44,435
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,772/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,848
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,024
−HK$1,193/mo
Today · 4.125%
HK$46,217
baseline
▲ 0.50% · 4.625%
HK$48,654
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,434/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,984
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,414
−HK$1,453/mo
Today · 4.125%
HK$48,867
baseline
▲ 0.50% · 4.625%
HK$51,841
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,734/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,156
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,528
−HK$1,392/mo
Today · 4.125%
HK$53,920
baseline
▲ 0.50% · 4.625%
HK$56,763
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,840/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,122
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,961
−HK$1,868/mo
Today · 4.125%
HK$62,829
baseline
▲ 0.50% · 4.625%
HK$66,652
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,658/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,773
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,537
−HK$1,789/mo
Today · 4.125%
HK$69,326
baseline
▲ 0.50% · 4.625%
HK$72,980
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,652/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,162 · Scale 2, in force from 26 Feb 2026)