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$32,879
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,901
−HK$1,039/mo
Today · 4.125%
HK$34,940
baseline
▲ 0.50% · 4.625%
HK$37,066
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,880/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,577
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,558
−HK$995/mo
Today · 4.125%
HK$38,553
baseline
▲ 0.50% · 4.625%
HK$40,585
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,106/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,454
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,682
−HK$1,246/mo
Today · 4.125%
HK$41,928
baseline
▲ 0.50% · 4.625%
HK$44,480
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,856/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,892
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,070
−HK$1,194/mo
Today · 4.125%
HK$46,264
baseline
▲ 0.50% · 4.625%
HK$48,703
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,528/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,030
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,462
−HK$1,454/mo
Today · 4.125%
HK$48,916
baseline
▲ 0.50% · 4.625%
HK$51,893
+HK$2,977/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,832/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,208
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,581
−HK$1,394/mo
Today · 4.125%
HK$53,975
baseline
▲ 0.50% · 4.625%
HK$56,820
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,950/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,181
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,022
−HK$1,871/mo
Today · 4.125%
HK$62,893
baseline
▲ 0.50% · 4.625%
HK$66,719
+HK$3,826/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,786/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,839
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,605
−HK$1,791/mo
Today · 4.125%
HK$69,396
baseline
▲ 0.50% · 4.625%
HK$73,054
+HK$3,658/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,792/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,706 · Scale 2, in force from 26 Feb 2026)