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$32,882
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,905
−HK$1,039/mo
Today · 4.125%
HK$34,944
baseline
▲ 0.50% · 4.625%
HK$37,070
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,888/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,581
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,562
−HK$995/mo
Today · 4.125%
HK$38,557
baseline
▲ 0.50% · 4.625%
HK$40,590
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,114/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,458
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,686
−HK$1,247/mo
Today · 4.125%
HK$41,933
baseline
▲ 0.50% · 4.625%
HK$44,484
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,866/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,897
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,074
−HK$1,195/mo
Today · 4.125%
HK$46,269
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,438/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,538/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,035
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,467
−HK$1,454/mo
Today · 4.125%
HK$48,921
baseline
▲ 0.50% · 4.625%
HK$51,898
+HK$2,977/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,842/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,213
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,587
−HK$1,393/mo
Today · 4.125%
HK$53,980
baseline
▲ 0.50% · 4.625%
HK$56,825
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,960/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,187
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,029
−HK$1,870/mo
Today · 4.125%
HK$62,899
baseline
▲ 0.50% · 4.625%
HK$66,726
+HK$3,827/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,798/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,845
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,611
−HK$1,792/mo
Today · 4.125%
HK$69,403
baseline
▲ 0.50% · 4.625%
HK$73,061
+HK$3,658/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,806/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,761 · Scale 2, in force from 26 Feb 2026)