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$32,822
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,843
−HK$1,037/mo
Today · 4.125%
HK$34,880
baseline
▲ 0.50% · 4.625%
HK$37,003
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,760/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,514
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,493
−HK$994/mo
Today · 4.125%
HK$38,487
baseline
▲ 0.50% · 4.625%
HK$40,515
+HK$2,028/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,974/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,386
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,611
−HK$1,245/mo
Today · 4.125%
HK$41,856
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,712/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,817
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,992
−HK$1,192/mo
Today · 4.125%
HK$46,184
baseline
▲ 0.50% · 4.625%
HK$48,619
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,368/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,951
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,380
−HK$1,452/mo
Today · 4.125%
HK$48,832
baseline
▲ 0.50% · 4.625%
HK$51,804
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,664/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,120
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,491
−HK$1,390/mo
Today · 4.125%
HK$53,881
baseline
▲ 0.50% · 4.625%
HK$56,722
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,762/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,079
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,917
−HK$1,867/mo
Today · 4.125%
HK$62,784
baseline
▲ 0.50% · 4.625%
HK$66,605
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,568/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,725
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,488
−HK$1,788/mo
Today · 4.125%
HK$69,276
baseline
▲ 0.50% · 4.625%
HK$72,928
+HK$3,652/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,552/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,774 · Scale 2, in force from 26 Feb 2026)