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$2,061/mo
▼ 0.25% · 3.875%
HK$33,886
−HK$1,039/mo
Today · 4.125%
HK$34,925
baseline
▲ 0.50% · 4.625%
HK$37,050
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,850/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,561
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,542
−HK$994/mo
Today · 4.125%
HK$38,536
baseline
▲ 0.50% · 4.625%
HK$40,568
+HK$2,032/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$540,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,437
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,664
−HK$1,246/mo
Today · 4.125%
HK$41,910
baseline
▲ 0.50% · 4.625%
HK$44,460
+HK$2,550/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,820/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,873
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,050
−HK$1,194/mo
Today · 4.125%
HK$46,244
baseline
▲ 0.50% · 4.625%
HK$48,681
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,488/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,010
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,441
−HK$1,454/mo
Today · 4.125%
HK$48,895
baseline
▲ 0.50% · 4.625%
HK$51,870
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,790/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,185
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,558
−HK$1,393/mo
Today · 4.125%
HK$53,951
baseline
▲ 0.50% · 4.625%
HK$56,795
+HK$2,844/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,902/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,155
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,996
−HK$1,869/mo
Today · 4.125%
HK$62,865
baseline
▲ 0.50% · 4.625%
HK$66,690
+HK$3,825/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,730/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,810
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,575
−HK$1,790/mo
Today · 4.125%
HK$69,365
baseline
▲ 0.50% · 4.625%
HK$73,022
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,730/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,468 · Scale 2, in force from 26 Feb 2026)