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$32,813
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$1,037/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,504
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,483
−HK$994/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,505
+HK$2,028/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,376
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,601
−HK$1,244/mo
Today · 4.125%
HK$41,845
baseline
▲ 0.50% · 4.625%
HK$44,391
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,690/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,805
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,980
−HK$1,192/mo
Today · 4.125%
HK$46,172
baseline
▲ 0.50% · 4.625%
HK$48,606
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,344/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,938
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,367
−HK$1,452/mo
Today · 4.125%
HK$48,819
baseline
▲ 0.50% · 4.625%
HK$51,790
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,638/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,106
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,477
−HK$1,390/mo
Today · 4.125%
HK$53,867
baseline
▲ 0.50% · 4.625%
HK$56,707
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,734/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,064
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,901
−HK$1,866/mo
Today · 4.125%
HK$62,767
baseline
▲ 0.50% · 4.625%
HK$66,587
+HK$3,820/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,534/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,708
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,470
−HK$1,788/mo
Today · 4.125%
HK$69,258
baseline
▲ 0.50% · 4.625%
HK$72,908
+HK$3,650/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,516/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,630 · Scale 2, in force from 26 Feb 2026)