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$32,870
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,892
−HK$1,039/mo
Today · 4.125%
HK$34,931
baseline
▲ 0.50% · 4.625%
HK$37,057
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,862/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,567
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,548
−HK$995/mo
Today · 4.125%
HK$38,543
baseline
▲ 0.50% · 4.625%
HK$40,575
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,086/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,444
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,671
−HK$1,246/mo
Today · 4.125%
HK$41,917
baseline
▲ 0.50% · 4.625%
HK$44,468
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,834/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,881
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,058
−HK$1,194/mo
Today · 4.125%
HK$46,252
baseline
▲ 0.50% · 4.625%
HK$48,690
+HK$2,438/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,504/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,018
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,449
−HK$1,455/mo
Today · 4.125%
HK$48,904
baseline
▲ 0.50% · 4.625%
HK$51,879
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,808/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,194
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,567
−HK$1,393/mo
Today · 4.125%
HK$53,960
baseline
▲ 0.50% · 4.625%
HK$56,805
+HK$2,845/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,920/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,166
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,006
−HK$1,870/mo
Today · 4.125%
HK$62,876
baseline
▲ 0.50% · 4.625%
HK$66,702
+HK$3,826/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,752/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,821
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,587
−HK$1,791/mo
Today · 4.125%
HK$69,378
baseline
▲ 0.50% · 4.625%
HK$73,035
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,756/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,563 · Scale 2, in force from 26 Feb 2026)