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$32,854
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,876
−HK$1,038/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$37,039
+HK$2,125/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,550
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,530
−HK$994/mo
Today · 4.125%
HK$38,524
baseline
▲ 0.50% · 4.625%
HK$40,555
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,048/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,425
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,651
−HK$1,246/mo
Today · 4.125%
HK$41,897
baseline
▲ 0.50% · 4.625%
HK$44,446
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,794/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,860
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,036
−HK$1,193/mo
Today · 4.125%
HK$46,229
baseline
▲ 0.50% · 4.625%
HK$48,666
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,458/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,995
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,426
−HK$1,454/mo
Today · 4.125%
HK$48,880
baseline
▲ 0.50% · 4.625%
HK$51,854
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,760/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,169
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,542
−HK$1,392/mo
Today · 4.125%
HK$53,934
baseline
▲ 0.50% · 4.625%
HK$56,777
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,868/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,137
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,976
−HK$1,869/mo
Today · 4.125%
HK$62,845
baseline
▲ 0.50% · 4.625%
HK$66,669
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,690/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,789
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,554
−HK$1,790/mo
Today · 4.125%
HK$69,344
baseline
▲ 0.50% · 4.625%
HK$72,999
+HK$3,655/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,688/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,300 · Scale 2, in force from 26 Feb 2026)