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$32,831
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,852
−HK$1,037/mo
Today · 4.125%
HK$34,889
baseline
▲ 0.50% · 4.625%
HK$37,012
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,778/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,524
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,503
−HK$994/mo
Today · 4.125%
HK$38,497
baseline
▲ 0.50% · 4.625%
HK$40,526
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,994/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,397
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,245/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,415
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,829
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,004
−HK$1,193/mo
Today · 4.125%
HK$46,197
baseline
▲ 0.50% · 4.625%
HK$48,632
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,394/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,963
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,393
−HK$1,452/mo
Today · 4.125%
HK$48,845
baseline
▲ 0.50% · 4.625%
HK$51,817
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,690/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,133
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,505
−HK$1,391/mo
Today · 4.125%
HK$53,896
baseline
▲ 0.50% · 4.625%
HK$56,737
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,792/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,095
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,933
−HK$1,868/mo
Today · 4.125%
HK$62,801
baseline
▲ 0.50% · 4.625%
HK$66,622
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,602/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,743
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,506
−HK$1,789/mo
Today · 4.125%
HK$69,295
baseline
▲ 0.50% · 4.625%
HK$72,947
+HK$3,652/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,590/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,918 · Scale 2, in force from 26 Feb 2026)