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$32,878
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$1,039/mo
Today · 4.125%
HK$34,939
baseline
▲ 0.50% · 4.625%
HK$37,065
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,878/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,576
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,557
−HK$995/mo
Today · 4.125%
HK$38,552
baseline
▲ 0.50% · 4.625%
HK$40,584
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,104/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,453
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,680
−HK$1,247/mo
Today · 4.125%
HK$41,927
baseline
▲ 0.50% · 4.625%
HK$44,478
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,854/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,891
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,068
−HK$1,194/mo
Today · 4.125%
HK$46,262
baseline
▲ 0.50% · 4.625%
HK$48,701
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,524/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,029
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,460
−HK$1,455/mo
Today · 4.125%
HK$48,915
baseline
▲ 0.50% · 4.625%
HK$51,891
+HK$2,976/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,830/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,206
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,580
−HK$1,393/mo
Today · 4.125%
HK$53,973
baseline
▲ 0.50% · 4.625%
HK$56,818
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,946/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,180
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,020
−HK$1,871/mo
Today · 4.125%
HK$62,891
baseline
▲ 0.50% · 4.625%
HK$66,717
+HK$3,826/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,782/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,837
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,602
−HK$1,792/mo
Today · 4.125%
HK$69,394
baseline
▲ 0.50% · 4.625%
HK$73,051
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,788/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,688 · Scale 2, in force from 26 Feb 2026)