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$32,885
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,908
−HK$1,039/mo
Today · 4.125%
HK$34,947
baseline
▲ 0.50% · 4.625%
HK$37,074
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,894/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,585
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,566
−HK$995/mo
Today · 4.125%
HK$38,561
baseline
▲ 0.50% · 4.625%
HK$40,594
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,122/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,462
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,690
−HK$1,247/mo
Today · 4.125%
HK$41,937
baseline
▲ 0.50% · 4.625%
HK$44,489
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,874/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,901
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,079
−HK$1,194/mo
Today · 4.125%
HK$46,273
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,546/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,039
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,472
−HK$1,454/mo
Today · 4.125%
HK$48,926
baseline
▲ 0.50% · 4.625%
HK$51,904
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,852/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,218
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,592
−HK$1,394/mo
Today · 4.125%
HK$53,986
baseline
▲ 0.50% · 4.625%
HK$56,831
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,972/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,194
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,035
−HK$1,870/mo
Today · 4.125%
HK$62,905
baseline
▲ 0.50% · 4.625%
HK$66,733
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,810/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,852
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,618
−HK$1,792/mo
Today · 4.125%
HK$69,410
baseline
▲ 0.50% · 4.625%
HK$73,069
+HK$3,659/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,820/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,816 · Scale 2, in force from 26 Feb 2026)