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$32,892
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,915
−HK$1,039/mo
Today · 4.125%
HK$34,954
baseline
▲ 0.50% · 4.625%
HK$37,081
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,908/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,592
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,573
−HK$996/mo
Today · 4.125%
HK$38,569
baseline
▲ 0.50% · 4.625%
HK$40,602
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,138/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,470
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,698
−HK$1,247/mo
Today · 4.125%
HK$41,945
baseline
▲ 0.50% · 4.625%
HK$44,498
+HK$2,553/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,890/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,910
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,088
−HK$1,195/mo
Today · 4.125%
HK$46,283
baseline
▲ 0.50% · 4.625%
HK$48,722
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,566/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,049
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,481
−HK$1,455/mo
Today · 4.125%
HK$48,936
baseline
▲ 0.50% · 4.625%
HK$51,914
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,872/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,229
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,603
−HK$1,393/mo
Today · 4.125%
HK$53,996
baseline
▲ 0.50% · 4.625%
HK$56,843
+HK$2,847/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,992/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,205
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,047
−HK$1,871/mo
Today · 4.125%
HK$62,918
baseline
▲ 0.50% · 4.625%
HK$66,746
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,836/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,865
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,632
−HK$1,792/mo
Today · 4.125%
HK$69,424
baseline
▲ 0.50% · 4.625%
HK$73,083
+HK$3,659/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,848/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,924 · Scale 2, in force from 26 Feb 2026)