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$32,890
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,913
−HK$1,039/mo
Today · 4.125%
HK$34,952
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,904/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,590
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,571
−HK$995/mo
Today · 4.125%
HK$38,566
baseline
▲ 0.50% · 4.625%
HK$40,599
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,132/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,468
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,695
−HK$1,248/mo
Today · 4.125%
HK$41,943
baseline
▲ 0.50% · 4.625%
HK$44,495
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,886/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,907
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,085
−HK$1,195/mo
Today · 4.125%
HK$46,280
baseline
▲ 0.50% · 4.625%
HK$48,719
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,560/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,046
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,478
−HK$1,455/mo
Today · 4.125%
HK$48,933
baseline
▲ 0.50% · 4.625%
HK$51,911
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,866/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,225
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,599
−HK$1,394/mo
Today · 4.125%
HK$53,993
baseline
▲ 0.50% · 4.625%
HK$56,839
+HK$2,846/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,986/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,202
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,043
−HK$1,871/mo
Today · 4.125%
HK$62,914
baseline
▲ 0.50% · 4.625%
HK$66,742
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,828/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,861
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,628
−HK$1,791/mo
Today · 4.125%
HK$69,419
baseline
▲ 0.50% · 4.625%
HK$73,079
+HK$3,660/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,838/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,890 · Scale 2, in force from 26 Feb 2026)