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$32,855
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$1,038/mo
Today · 4.125%
HK$34,915
baseline
▲ 0.50% · 4.625%
HK$37,039
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,830/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,550
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$994/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,426
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,652
−HK$1,246/mo
Today · 4.125%
HK$41,898
baseline
▲ 0.50% · 4.625%
HK$44,447
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,796/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,861
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,037
−HK$1,193/mo
Today · 4.125%
HK$46,230
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,460/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,996
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,427
−HK$1,454/mo
Today · 4.125%
HK$48,881
baseline
▲ 0.50% · 4.625%
HK$51,855
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,762/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,171
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,543
−HK$1,392/mo
Today · 4.125%
HK$53,935
baseline
▲ 0.50% · 4.625%
HK$56,778
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,870/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,138
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,978
−HK$1,869/mo
Today · 4.125%
HK$62,847
baseline
▲ 0.50% · 4.625%
HK$66,671
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,694/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,791
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,555
−HK$1,790/mo
Today · 4.125%
HK$69,345
baseline
▲ 0.50% · 4.625%
HK$73,001
+HK$3,656/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,690/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,312 · Scale 2, in force from 26 Feb 2026)