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$32,885
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,908
−HK$1,039/mo
Today · 4.125%
HK$34,947
baseline
▲ 0.50% · 4.625%
HK$37,073
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,894/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,584
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$995/mo
Today · 4.125%
HK$38,560
baseline
▲ 0.50% · 4.625%
HK$40,593
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,120/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,462
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,247/mo
Today · 4.125%
HK$41,936
baseline
▲ 0.50% · 4.625%
HK$44,488
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,872/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,901
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,078
−HK$1,195/mo
Today · 4.125%
HK$46,273
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,546/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,039
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,471
−HK$1,455/mo
Today · 4.125%
HK$48,926
baseline
▲ 0.50% · 4.625%
HK$51,903
+HK$2,977/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,852/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,218
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,591
−HK$1,394/mo
Today · 4.125%
HK$53,985
baseline
▲ 0.50% · 4.625%
HK$56,830
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,970/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,193
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,034
−HK$1,870/mo
Today · 4.125%
HK$62,904
baseline
▲ 0.50% · 4.625%
HK$66,732
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,808/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,851
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,617
−HK$1,792/mo
Today · 4.125%
HK$69,409
baseline
▲ 0.50% · 4.625%
HK$73,067
+HK$3,658/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,818/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,807 · Scale 2, in force from 26 Feb 2026)