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$32,848
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,870
−HK$1,038/mo
Today · 4.125%
HK$34,908
baseline
▲ 0.50% · 4.625%
HK$37,032
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,816/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,543
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,523
−HK$994/mo
Today · 4.125%
HK$38,517
baseline
▲ 0.50% · 4.625%
HK$40,548
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,034/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,417
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,644
−HK$1,245/mo
Today · 4.125%
HK$41,889
baseline
▲ 0.50% · 4.625%
HK$44,438
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,778/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,852
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,028
−HK$1,193/mo
Today · 4.125%
HK$46,221
baseline
▲ 0.50% · 4.625%
HK$48,657
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,442/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,418
−HK$1,453/mo
Today · 4.125%
HK$48,871
baseline
▲ 0.50% · 4.625%
HK$51,845
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,742/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,160
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,532
−HK$1,392/mo
Today · 4.125%
HK$53,924
baseline
▲ 0.50% · 4.625%
HK$56,767
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,848/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,126
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,965
−HK$1,869/mo
Today · 4.125%
HK$62,834
baseline
▲ 0.50% · 4.625%
HK$66,657
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,668/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,777
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,541
−HK$1,790/mo
Today · 4.125%
HK$69,331
baseline
▲ 0.50% · 4.625%
HK$72,986
+HK$3,655/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,662/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,201 · Scale 2, in force from 26 Feb 2026)