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$32,844
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,866
−HK$1,038/mo
Today · 4.125%
HK$34,904
baseline
▲ 0.50% · 4.625%
HK$37,028
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,808/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,539
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,519
−HK$994/mo
Today · 4.125%
HK$38,513
baseline
▲ 0.50% · 4.625%
HK$40,543
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,026/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,413
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,639
−HK$1,246/mo
Today · 4.125%
HK$41,885
baseline
▲ 0.50% · 4.625%
HK$44,433
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,770/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,847
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,023
−HK$1,193/mo
Today · 4.125%
HK$46,216
baseline
▲ 0.50% · 4.625%
HK$48,652
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,432/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,982
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,412
−HK$1,453/mo
Today · 4.125%
HK$48,865
baseline
▲ 0.50% · 4.625%
HK$51,839
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,730/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,154
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,526
−HK$1,392/mo
Today · 4.125%
HK$53,918
baseline
▲ 0.50% · 4.625%
HK$56,760
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,836/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,120
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,959
−HK$1,868/mo
Today · 4.125%
HK$62,827
baseline
▲ 0.50% · 4.625%
HK$66,650
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,654/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,770
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,534
−HK$1,789/mo
Today · 4.125%
HK$69,323
baseline
▲ 0.50% · 4.625%
HK$72,977
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,646/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,140 · Scale 2, in force from 26 Feb 2026)