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$32,840
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,862
−HK$1,037/mo
Today · 4.125%
HK$34,899
baseline
▲ 0.50% · 4.625%
HK$37,023
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,798/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,534
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,514
−HK$994/mo
Today · 4.125%
HK$38,508
baseline
▲ 0.50% · 4.625%
HK$40,538
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,016/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,408
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,634
−HK$1,245/mo
Today · 4.125%
HK$41,879
baseline
▲ 0.50% · 4.625%
HK$44,428
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,758/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,841
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,017
−HK$1,193/mo
Today · 4.125%
HK$46,210
baseline
▲ 0.50% · 4.625%
HK$48,645
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,420/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,976
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,406
−HK$1,453/mo
Today · 4.125%
HK$48,859
baseline
▲ 0.50% · 4.625%
HK$51,832
+HK$2,973/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,718/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,148
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,520
−HK$1,391/mo
Today · 4.125%
HK$53,911
baseline
▲ 0.50% · 4.625%
HK$56,753
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,822/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,112
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,951
−HK$1,868/mo
Today · 4.125%
HK$62,819
baseline
▲ 0.50% · 4.625%
HK$66,641
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,638/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,762
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,525
−HK$1,790/mo
Today · 4.125%
HK$69,315
baseline
▲ 0.50% · 4.625%
HK$72,968
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,630/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,073 · Scale 2, in force from 26 Feb 2026)