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$32,888
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,911
−HK$1,039/mo
Today · 4.125%
HK$34,950
baseline
▲ 0.50% · 4.625%
HK$37,077
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,900/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,587
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,568
−HK$996/mo
Today · 4.125%
HK$38,564
baseline
▲ 0.50% · 4.625%
HK$40,597
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,128/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,465
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,693
−HK$1,247/mo
Today · 4.125%
HK$41,940
baseline
▲ 0.50% · 4.625%
HK$44,492
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,880/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,905
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,082
−HK$1,195/mo
Today · 4.125%
HK$46,277
baseline
▲ 0.50% · 4.625%
HK$48,716
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,554/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,043
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,475
−HK$1,455/mo
Today · 4.125%
HK$48,930
baseline
▲ 0.50% · 4.625%
HK$51,907
+HK$2,977/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,860/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,222
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,596
−HK$1,393/mo
Today · 4.125%
HK$53,989
baseline
▲ 0.50% · 4.625%
HK$56,835
+HK$2,846/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,978/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,198
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,039
−HK$1,871/mo
Today · 4.125%
HK$62,910
baseline
▲ 0.50% · 4.625%
HK$66,738
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,820/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,857
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,623
−HK$1,792/mo
Today · 4.125%
HK$69,415
baseline
▲ 0.50% · 4.625%
HK$73,074
+HK$3,659/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,830/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,855 · Scale 2, in force from 26 Feb 2026)