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$32,833
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$1,038/mo
Today · 4.125%
HK$34,892
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,784/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,527
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,506
−HK$994/mo
Today · 4.125%
HK$38,500
baseline
▲ 0.50% · 4.625%
HK$40,529
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,000/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,400
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,625
−HK$1,245/mo
Today · 4.125%
HK$41,870
baseline
▲ 0.50% · 4.625%
HK$44,418
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,740/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,832
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,007
−HK$1,193/mo
Today · 4.125%
HK$46,200
baseline
▲ 0.50% · 4.625%
HK$48,635
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,400/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,966
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,396
−HK$1,453/mo
Today · 4.125%
HK$48,849
baseline
▲ 0.50% · 4.625%
HK$51,821
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,698/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,137
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,509
−HK$1,391/mo
Today · 4.125%
HK$53,900
baseline
▲ 0.50% · 4.625%
HK$56,741
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,800/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,100
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,938
−HK$1,868/mo
Today · 4.125%
HK$62,806
baseline
▲ 0.50% · 4.625%
HK$66,627
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,612/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,748
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,511
−HK$1,789/mo
Today · 4.125%
HK$69,300
baseline
▲ 0.50% · 4.625%
HK$72,953
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,600/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,958 · Scale 2, in force from 26 Feb 2026)