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$32,861
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,883
−HK$1,038/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$37,046
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,538
−HK$994/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,564
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,433
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,660
−HK$1,246/mo
Today · 4.125%
HK$41,906
baseline
▲ 0.50% · 4.625%
HK$44,456
+HK$2,550/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,812/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,869
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,045
−HK$1,194/mo
Today · 4.125%
HK$46,239
baseline
▲ 0.50% · 4.625%
HK$48,676
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,478/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,005
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,436
−HK$1,454/mo
Today · 4.125%
HK$48,890
baseline
▲ 0.50% · 4.625%
HK$51,865
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,780/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,180
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,553
−HK$1,392/mo
Today · 4.125%
HK$53,945
baseline
▲ 0.50% · 4.625%
HK$56,789
+HK$2,844/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,890/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,149
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,989
−HK$1,870/mo
Today · 4.125%
HK$62,859
baseline
▲ 0.50% · 4.625%
HK$66,683
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,718/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,803
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,568
−HK$1,790/mo
Today · 4.125%
HK$69,358
baseline
▲ 0.50% · 4.625%
HK$73,014
+HK$3,656/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,716/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,414 · Scale 2, in force from 26 Feb 2026)