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$32,876
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,899
−HK$1,039/mo
Today · 4.125%
HK$34,938
baseline
▲ 0.50% · 4.625%
HK$37,063
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,876/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,574
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,555
−HK$995/mo
Today · 4.125%
HK$38,550
baseline
▲ 0.50% · 4.625%
HK$40,582
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,100/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,451
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,678
−HK$1,247/mo
Today · 4.125%
HK$41,925
baseline
▲ 0.50% · 4.625%
HK$44,476
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,850/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,889
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,066
−HK$1,194/mo
Today · 4.125%
HK$46,260
baseline
▲ 0.50% · 4.625%
HK$48,699
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,026
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,458
−HK$1,455/mo
Today · 4.125%
HK$48,913
baseline
▲ 0.50% · 4.625%
HK$51,889
+HK$2,976/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,826/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,204
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,577
−HK$1,393/mo
Today · 4.125%
HK$53,970
baseline
▲ 0.50% · 4.625%
HK$56,815
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,940/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,177
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,017
−HK$1,871/mo
Today · 4.125%
HK$62,888
baseline
▲ 0.50% · 4.625%
HK$66,714
+HK$3,826/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,776/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,833
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,599
−HK$1,791/mo
Today · 4.125%
HK$69,390
baseline
▲ 0.50% · 4.625%
HK$73,048
+HK$3,658/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,780/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,662 · Scale 2, in force from 26 Feb 2026)