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$32,856
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,878
−HK$1,038/mo
Today · 4.125%
HK$34,916
baseline
▲ 0.50% · 4.625%
HK$37,041
+HK$2,125/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,832/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,552
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,532
−HK$995/mo
Today · 4.125%
HK$38,527
baseline
▲ 0.50% · 4.625%
HK$40,558
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,054/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,427
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,654
−HK$1,246/mo
Today · 4.125%
HK$41,900
baseline
▲ 0.50% · 4.625%
HK$44,449
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,800/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,863
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,039
−HK$1,193/mo
Today · 4.125%
HK$46,232
baseline
▲ 0.50% · 4.625%
HK$48,669
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,464/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,999
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,429
−HK$1,454/mo
Today · 4.125%
HK$48,883
baseline
▲ 0.50% · 4.625%
HK$51,858
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,766/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,173
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,545
−HK$1,393/mo
Today · 4.125%
HK$53,938
baseline
▲ 0.50% · 4.625%
HK$56,781
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,876/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,141
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,981
−HK$1,869/mo
Today · 4.125%
HK$62,850
baseline
▲ 0.50% · 4.625%
HK$66,674
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,700/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,794
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,558
−HK$1,790/mo
Today · 4.125%
HK$69,348
baseline
▲ 0.50% · 4.625%
HK$73,004
+HK$3,656/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,696/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,336 · Scale 2, in force from 26 Feb 2026)