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$32,889
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,912
−HK$1,039/mo
Today · 4.125%
HK$34,951
baseline
▲ 0.50% · 4.625%
HK$37,078
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,902/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,570
−HK$995/mo
Today · 4.125%
HK$38,565
baseline
▲ 0.50% · 4.625%
HK$40,598
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,130/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,466
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,694
−HK$1,247/mo
Today · 4.125%
HK$41,941
baseline
▲ 0.50% · 4.625%
HK$44,493
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,882/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,906
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,083
−HK$1,195/mo
Today · 4.125%
HK$46,278
baseline
▲ 0.50% · 4.625%
HK$48,717
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,556/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,044
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,476
−HK$1,455/mo
Today · 4.125%
HK$48,931
baseline
▲ 0.50% · 4.625%
HK$51,909
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,862/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,224
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,597
−HK$1,394/mo
Today · 4.125%
HK$53,991
baseline
▲ 0.50% · 4.625%
HK$56,837
+HK$2,846/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,982/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,200
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,041
−HK$1,871/mo
Today · 4.125%
HK$62,912
baseline
▲ 0.50% · 4.625%
HK$66,740
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,824/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,859
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,625
−HK$1,792/mo
Today · 4.125%
HK$69,417
baseline
▲ 0.50% · 4.625%
HK$73,076
+HK$3,659/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,834/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,871 · Scale 2, in force from 26 Feb 2026)