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$32,872
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,894
−HK$1,039/mo
Today · 4.125%
HK$34,933
baseline
▲ 0.50% · 4.625%
HK$37,059
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,866/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,569
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,550
−HK$995/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,577
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,446
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,673
−HK$1,247/mo
Today · 4.125%
HK$41,920
baseline
▲ 0.50% · 4.625%
HK$44,470
+HK$2,550/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,840/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,883
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,060
−HK$1,194/mo
Today · 4.125%
HK$46,254
baseline
▲ 0.50% · 4.625%
HK$48,692
+HK$2,438/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,508/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,020
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,452
−HK$1,454/mo
Today · 4.125%
HK$48,906
baseline
▲ 0.50% · 4.625%
HK$51,882
+HK$2,976/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,812/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,197
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,570
−HK$1,393/mo
Today · 4.125%
HK$53,963
baseline
▲ 0.50% · 4.625%
HK$56,808
+HK$2,845/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,926/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,169
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,009
−HK$1,870/mo
Today · 4.125%
HK$62,879
baseline
▲ 0.50% · 4.625%
HK$66,705
+HK$3,826/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,758/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,825
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,590
−HK$1,791/mo
Today · 4.125%
HK$69,381
baseline
▲ 0.50% · 4.625%
HK$73,038
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,762/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,592 · Scale 2, in force from 26 Feb 2026)