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$32,864
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,886
−HK$1,038/mo
Today · 4.125%
HK$34,924
baseline
▲ 0.50% · 4.625%
HK$37,049
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,848/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,560
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,541
−HK$995/mo
Today · 4.125%
HK$38,536
baseline
▲ 0.50% · 4.625%
HK$40,567
+HK$2,031/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,072/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,436
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,663
−HK$1,246/mo
Today · 4.125%
HK$41,909
baseline
▲ 0.50% · 4.625%
HK$44,459
+HK$2,550/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,818/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,872
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,049
−HK$1,194/mo
Today · 4.125%
HK$46,243
baseline
▲ 0.50% · 4.625%
HK$48,680
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,486/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,009
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,440
−HK$1,454/mo
Today · 4.125%
HK$48,894
baseline
▲ 0.50% · 4.625%
HK$51,869
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,788/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,185
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,557
−HK$1,393/mo
Today · 4.125%
HK$53,950
baseline
▲ 0.50% · 4.625%
HK$56,794
+HK$2,844/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,900/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,154
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,994
−HK$1,870/mo
Today · 4.125%
HK$62,864
baseline
▲ 0.50% · 4.625%
HK$66,689
+HK$3,825/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,728/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,809
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,574
−HK$1,790/mo
Today · 4.125%
HK$69,364
baseline
▲ 0.50% · 4.625%
HK$73,020
+HK$3,656/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,728/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,459 · Scale 2, in force from 26 Feb 2026)