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$33,888
−HK$1,038/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$540,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,562
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,543
−HK$995/mo
Today · 4.125%
HK$38,538
baseline
▲ 0.50% · 4.625%
HK$40,569
+HK$2,031/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,076/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,487 · 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$44,462
+HK$2,551/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$540,487 · 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$540,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,011
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,443
−HK$1,454/mo
Today · 4.125%
HK$48,897
baseline
▲ 0.50% · 4.625%
HK$51,872
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,794/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,187
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,560
−HK$1,393/mo
Today · 4.125%
HK$53,953
baseline
▲ 0.50% · 4.625%
HK$56,797
+HK$2,844/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,906/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,158
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,998
−HK$1,869/mo
Today · 4.125%
HK$62,867
baseline
▲ 0.50% · 4.625%
HK$66,693
+HK$3,826/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$540,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,812
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,577
−HK$1,791/mo
Today · 4.125%
HK$69,368
baseline
▲ 0.50% · 4.625%
HK$73,024
+HK$3,656/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,736/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,487 · Scale 2, in force from 26 Feb 2026)