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$32,859
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,881
−HK$1,039/mo
Today · 4.125%
HK$34,920
baseline
▲ 0.50% · 4.625%
HK$37,044
+HK$2,124/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,840/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,555
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,536
−HK$994/mo
Today · 4.125%
HK$38,530
baseline
▲ 0.50% · 4.625%
HK$40,561
+HK$2,031/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,060/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,431
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,657
−HK$1,247/mo
Today · 4.125%
HK$41,904
baseline
▲ 0.50% · 4.625%
HK$44,453
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,808/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,866
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,043
−HK$1,193/mo
Today · 4.125%
HK$46,236
baseline
▲ 0.50% · 4.625%
HK$48,674
+HK$2,438/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,472/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,003
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,434
−HK$1,453/mo
Today · 4.125%
HK$48,887
baseline
▲ 0.50% · 4.625%
HK$51,862
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,774/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,178
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,550
−HK$1,392/mo
Today · 4.125%
HK$53,942
baseline
▲ 0.50% · 4.625%
HK$56,786
+HK$2,844/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,884/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,146
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,986
−HK$1,869/mo
Today · 4.125%
HK$62,855
baseline
▲ 0.50% · 4.625%
HK$66,680
+HK$3,825/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,710/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,800
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,564
−HK$1,791/mo
Today · 4.125%
HK$69,355
baseline
▲ 0.50% · 4.625%
HK$73,010
+HK$3,655/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,710/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,385 · Scale 2, in force from 26 Feb 2026)