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$32,867
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,890
−HK$1,039/mo
Today · 4.125%
HK$34,929
baseline
▲ 0.50% · 4.625%
HK$37,054
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,858/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,565
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,545
−HK$995/mo
Today · 4.125%
HK$38,540
baseline
▲ 0.50% · 4.625%
HK$40,572
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,080/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,441
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,668
−HK$1,246/mo
Today · 4.125%
HK$41,914
baseline
▲ 0.50% · 4.625%
HK$44,465
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,828/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,878
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,054
−HK$1,194/mo
Today · 4.125%
HK$46,248
baseline
▲ 0.50% · 4.625%
HK$48,686
+HK$2,438/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,496/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,014
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,446
−HK$1,454/mo
Today · 4.125%
HK$48,900
baseline
▲ 0.50% · 4.625%
HK$51,875
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,800/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,191
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,563
−HK$1,393/mo
Today · 4.125%
HK$53,956
baseline
▲ 0.50% · 4.625%
HK$56,800
+HK$2,844/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,912/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,161
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,002
−HK$1,869/mo
Today · 4.125%
HK$62,871
baseline
▲ 0.50% · 4.625%
HK$66,697
+HK$3,826/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,742/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,816
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,582
−HK$1,790/mo
Today · 4.125%
HK$69,372
baseline
▲ 0.50% · 4.625%
HK$73,029
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,744/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,523 · Scale 2, in force from 26 Feb 2026)