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$32,818
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$1,038/mo
Today · 4.125%
HK$34,876
baseline
▲ 0.50% · 4.625%
HK$36,998
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,752/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,509
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,488
−HK$994/mo
Today · 4.125%
HK$38,482
baseline
▲ 0.50% · 4.625%
HK$40,510
+HK$2,028/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,964/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,381
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,606
−HK$1,245/mo
Today · 4.125%
HK$41,851
baseline
▲ 0.50% · 4.625%
HK$44,397
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,702/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,811
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,986
−HK$1,192/mo
Today · 4.125%
HK$46,178
baseline
▲ 0.50% · 4.625%
HK$48,612
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,356/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,945
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,374
−HK$1,452/mo
Today · 4.125%
HK$48,826
baseline
▲ 0.50% · 4.625%
HK$51,797
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,652/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,113
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,484
−HK$1,390/mo
Today · 4.125%
HK$53,874
baseline
▲ 0.50% · 4.625%
HK$56,714
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,748/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,072
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,909
−HK$1,867/mo
Today · 4.125%
HK$62,776
baseline
▲ 0.50% · 4.625%
HK$66,596
+HK$3,820/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,552/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,717
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,479
−HK$1,788/mo
Today · 4.125%
HK$69,267
baseline
▲ 0.50% · 4.625%
HK$72,918
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,534/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,702 · Scale 2, in force from 26 Feb 2026)