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$32,850
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,871
−HK$1,039/mo
Today · 4.125%
HK$34,910
baseline
▲ 0.50% · 4.625%
HK$37,034
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,820/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,545
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$994/mo
Today · 4.125%
HK$38,519
baseline
▲ 0.50% · 4.625%
HK$40,550
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,038/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,420
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,646
−HK$1,245/mo
Today · 4.125%
HK$41,891
baseline
▲ 0.50% · 4.625%
HK$44,440
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,782/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,854
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,030
−HK$1,193/mo
Today · 4.125%
HK$46,223
baseline
▲ 0.50% · 4.625%
HK$48,660
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,446/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,989
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,420
−HK$1,453/mo
Today · 4.125%
HK$48,873
baseline
▲ 0.50% · 4.625%
HK$51,847
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,746/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,163
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,535
−HK$1,392/mo
Today · 4.125%
HK$53,927
baseline
▲ 0.50% · 4.625%
HK$56,770
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,854/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,129
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,969
−HK$1,868/mo
Today · 4.125%
HK$62,837
baseline
▲ 0.50% · 4.625%
HK$66,661
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,674/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,781
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,545
−HK$1,790/mo
Today · 4.125%
HK$69,335
baseline
▲ 0.50% · 4.625%
HK$72,989
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,670/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,229 · Scale 2, in force from 26 Feb 2026)