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$32,880
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,903
−HK$1,039/mo
Today · 4.125%
HK$34,942
baseline
▲ 0.50% · 4.625%
HK$37,068
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,884/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,579
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,560
−HK$995/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,587
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,456
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,683
−HK$1,247/mo
Today · 4.125%
HK$41,930
baseline
▲ 0.50% · 4.625%
HK$44,481
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,860/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,894
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,071
−HK$1,195/mo
Today · 4.125%
HK$46,266
baseline
▲ 0.50% · 4.625%
HK$48,704
+HK$2,438/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,532/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,032
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,464
−HK$1,454/mo
Today · 4.125%
HK$48,918
baseline
▲ 0.50% · 4.625%
HK$51,895
+HK$2,977/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,836/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,210
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,583
−HK$1,394/mo
Today · 4.125%
HK$53,977
baseline
▲ 0.50% · 4.625%
HK$56,822
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,954/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,184
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,025
−HK$1,870/mo
Today · 4.125%
HK$62,895
baseline
▲ 0.50% · 4.625%
HK$66,722
+HK$3,827/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,790/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,841
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,607
−HK$1,792/mo
Today · 4.125%
HK$69,399
baseline
▲ 0.50% · 4.625%
HK$73,057
+HK$3,658/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,798/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,727 · Scale 2, in force from 26 Feb 2026)