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$32,827
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,848
−HK$1,038/mo
Today · 4.125%
HK$34,886
baseline
▲ 0.50% · 4.625%
HK$37,008
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,772/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,520
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,499
−HK$994/mo
Today · 4.125%
HK$38,493
baseline
▲ 0.50% · 4.625%
HK$40,522
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,986/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,393
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,618
−HK$1,245/mo
Today · 4.125%
HK$41,863
baseline
▲ 0.50% · 4.625%
HK$44,410
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,726/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,824
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,999
−HK$1,193/mo
Today · 4.125%
HK$46,192
baseline
▲ 0.50% · 4.625%
HK$48,626
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,384/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,958
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,388
−HK$1,452/mo
Today · 4.125%
HK$48,840
baseline
▲ 0.50% · 4.625%
HK$51,812
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,680/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,128
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,499
−HK$1,391/mo
Today · 4.125%
HK$53,890
baseline
▲ 0.50% · 4.625%
HK$56,731
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,780/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,089
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,927
−HK$1,867/mo
Today · 4.125%
HK$62,794
baseline
▲ 0.50% · 4.625%
HK$66,615
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,588/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,736
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,499
−HK$1,788/mo
Today · 4.125%
HK$69,287
baseline
▲ 0.50% · 4.625%
HK$72,940
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,574/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,861 · Scale 2, in force from 26 Feb 2026)