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$32,858
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$1,039/mo
Today · 4.125%
HK$34,919
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,838/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,554
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,535
−HK$994/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,560
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,058/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,430
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,656
−HK$1,246/mo
Today · 4.125%
HK$41,902
baseline
▲ 0.50% · 4.625%
HK$44,452
+HK$2,550/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,804/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,865
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,193/mo
Today · 4.125%
HK$46,235
baseline
▲ 0.50% · 4.625%
HK$48,672
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,470/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,002
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,432
−HK$1,454/mo
Today · 4.125%
HK$48,886
baseline
▲ 0.50% · 4.625%
HK$51,861
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,772/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,176
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,549
−HK$1,392/mo
Today · 4.125%
HK$53,941
baseline
▲ 0.50% · 4.625%
HK$56,784
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,882/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,145
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,985
−HK$1,869/mo
Today · 4.125%
HK$62,854
baseline
▲ 0.50% · 4.625%
HK$66,678
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,708/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,798
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,563
−HK$1,790/mo
Today · 4.125%
HK$69,353
baseline
▲ 0.50% · 4.625%
HK$73,009
+HK$3,656/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,706/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,371 · Scale 2, in force from 26 Feb 2026)