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$32,865
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,887
−HK$1,039/mo
Today · 4.125%
HK$34,926
baseline
▲ 0.50% · 4.625%
HK$37,051
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,852/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,562
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,543
−HK$994/mo
Today · 4.125%
HK$38,537
baseline
▲ 0.50% · 4.625%
HK$40,569
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,074/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,438
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,665
−HK$1,246/mo
Today · 4.125%
HK$41,911
baseline
▲ 0.50% · 4.625%
HK$44,461
+HK$2,550/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,822/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,875
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,051
−HK$1,194/mo
Today · 4.125%
HK$46,245
baseline
▲ 0.50% · 4.625%
HK$48,683
+HK$2,438/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,490/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,011
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,442
−HK$1,454/mo
Today · 4.125%
HK$48,896
baseline
▲ 0.50% · 4.625%
HK$51,872
+HK$2,976/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,792/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,187
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,560
−HK$1,392/mo
Today · 4.125%
HK$53,952
baseline
▲ 0.50% · 4.625%
HK$56,796
+HK$2,844/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,904/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,157
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,997
−HK$1,870/mo
Today · 4.125%
HK$62,867
baseline
▲ 0.50% · 4.625%
HK$66,692
+HK$3,825/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,734/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,812
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,577
−HK$1,790/mo
Today · 4.125%
HK$69,367
baseline
▲ 0.50% · 4.625%
HK$73,024
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,734/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,484 · Scale 2, in force from 26 Feb 2026)