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$32,851
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,873
−HK$1,039/mo
Today · 4.125%
HK$34,912
baseline
▲ 0.50% · 4.625%
HK$37,036
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,824/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,547
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,527
−HK$994/mo
Today · 4.125%
HK$38,521
baseline
▲ 0.50% · 4.625%
HK$40,552
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,042/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,422
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,648
−HK$1,246/mo
Today · 4.125%
HK$41,894
baseline
▲ 0.50% · 4.625%
HK$44,443
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,788/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,856
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,032
−HK$1,194/mo
Today · 4.125%
HK$46,226
baseline
▲ 0.50% · 4.625%
HK$48,662
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,452/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,992
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,423
−HK$1,453/mo
Today · 4.125%
HK$48,876
baseline
▲ 0.50% · 4.625%
HK$51,850
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,752/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,166
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,538
−HK$1,392/mo
Today · 4.125%
HK$53,930
baseline
▲ 0.50% · 4.625%
HK$56,773
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,860/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,133
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,972
−HK$1,869/mo
Today · 4.125%
HK$62,841
baseline
▲ 0.50% · 4.625%
HK$66,664
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,682/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,784
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,549
−HK$1,790/mo
Today · 4.125%
HK$69,339
baseline
▲ 0.50% · 4.625%
HK$72,994
+HK$3,655/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,678/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,260 · Scale 2, in force from 26 Feb 2026)