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$32,822
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,843
−HK$1,038/mo
Today · 4.125%
HK$34,881
baseline
▲ 0.50% · 4.625%
HK$37,003
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,762/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,515
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,494
−HK$993/mo
Today · 4.125%
HK$38,487
baseline
▲ 0.50% · 4.625%
HK$40,516
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,974/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,387
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,612
−HK$1,245/mo
Today · 4.125%
HK$41,857
baseline
▲ 0.50% · 4.625%
HK$44,404
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,714/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,818
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,993
−HK$1,192/mo
Today · 4.125%
HK$46,185
baseline
▲ 0.50% · 4.625%
HK$48,619
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,370/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,951
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,381
−HK$1,452/mo
Today · 4.125%
HK$48,833
baseline
▲ 0.50% · 4.625%
HK$51,804
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,666/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,120
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,491
−HK$1,391/mo
Today · 4.125%
HK$53,882
baseline
▲ 0.50% · 4.625%
HK$56,723
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,764/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,080
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,918
−HK$1,867/mo
Today · 4.125%
HK$62,785
baseline
▲ 0.50% · 4.625%
HK$66,606
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,570/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,726
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,489
−HK$1,788/mo
Today · 4.125%
HK$69,277
baseline
▲ 0.50% · 4.625%
HK$72,929
+HK$3,652/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,554/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,782 · Scale 2, in force from 26 Feb 2026)