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$32,849
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,871
−HK$1,038/mo
Today · 4.125%
HK$34,909
baseline
▲ 0.50% · 4.625%
HK$37,033
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,818/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,544
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,524
−HK$994/mo
Today · 4.125%
HK$38,518
baseline
▲ 0.50% · 4.625%
HK$40,549
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,036/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,418
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,645
−HK$1,245/mo
Today · 4.125%
HK$41,890
baseline
▲ 0.50% · 4.625%
HK$44,439
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,780/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,853
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,029
−HK$1,193/mo
Today · 4.125%
HK$46,222
baseline
▲ 0.50% · 4.625%
HK$48,658
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,444/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,988
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,419
−HK$1,453/mo
Today · 4.125%
HK$48,872
baseline
▲ 0.50% · 4.625%
HK$51,846
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,744/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,161
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,534
−HK$1,392/mo
Today · 4.125%
HK$53,926
baseline
▲ 0.50% · 4.625%
HK$56,768
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,852/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,128
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,967
−HK$1,869/mo
Today · 4.125%
HK$62,836
baseline
▲ 0.50% · 4.625%
HK$66,659
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,672/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,779
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,543
−HK$1,790/mo
Today · 4.125%
HK$69,333
baseline
▲ 0.50% · 4.625%
HK$72,987
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,666/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,215 · Scale 2, in force from 26 Feb 2026)