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$32,829
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,850
−HK$1,038/mo
Today · 4.125%
HK$34,888
baseline
▲ 0.50% · 4.625%
HK$37,011
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,776/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,522
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,502
−HK$993/mo
Today · 4.125%
HK$38,495
baseline
▲ 0.50% · 4.625%
HK$40,524
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,990/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,395
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,620
−HK$1,245/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,413
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,826
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,002
−HK$1,192/mo
Today · 4.125%
HK$46,194
baseline
▲ 0.50% · 4.625%
HK$48,629
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,388/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,961
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,390
−HK$1,453/mo
Today · 4.125%
HK$48,843
baseline
▲ 0.50% · 4.625%
HK$51,815
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,686/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,131
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,502
−HK$1,391/mo
Today · 4.125%
HK$53,893
baseline
▲ 0.50% · 4.625%
HK$56,734
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,786/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,092
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,931
−HK$1,867/mo
Today · 4.125%
HK$62,798
baseline
▲ 0.50% · 4.625%
HK$66,619
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,596/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,740
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,503
−HK$1,788/mo
Today · 4.125%
HK$69,291
baseline
▲ 0.50% · 4.625%
HK$72,944
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,582/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,892 · Scale 2, in force from 26 Feb 2026)