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$32,881
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$1,039/mo
Today · 4.125%
HK$34,943
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,886/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,580
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,561
−HK$995/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,589
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,458
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,685
−HK$1,247/mo
Today · 4.125%
HK$41,932
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,864/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,896
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,073
−HK$1,195/mo
Today · 4.125%
HK$46,268
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,536/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,034
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,466
−HK$1,455/mo
Today · 4.125%
HK$48,921
baseline
▲ 0.50% · 4.625%
HK$51,897
+HK$2,976/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,842/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,212
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,586
−HK$1,393/mo
Today · 4.125%
HK$53,979
baseline
▲ 0.50% · 4.625%
HK$56,824
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,958/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,186
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,027
−HK$1,871/mo
Today · 4.125%
HK$62,898
baseline
▲ 0.50% · 4.625%
HK$66,725
+HK$3,827/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,796/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,844
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,610
−HK$1,792/mo
Today · 4.125%
HK$69,402
baseline
▲ 0.50% · 4.625%
HK$73,060
+HK$3,658/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,804/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,751 · Scale 2, in force from 26 Feb 2026)