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$32,887
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,910
−HK$1,040/mo
Today · 4.125%
HK$34,950
baseline
▲ 0.50% · 4.625%
HK$37,076
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,900/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,587
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,568
−HK$995/mo
Today · 4.125%
HK$38,563
baseline
▲ 0.50% · 4.625%
HK$40,596
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,126/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,465
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,692
−HK$1,248/mo
Today · 4.125%
HK$41,940
baseline
▲ 0.50% · 4.625%
HK$44,491
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,880/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,904
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,082
−HK$1,194/mo
Today · 4.125%
HK$46,276
baseline
▲ 0.50% · 4.625%
HK$48,715
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,552/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,042
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,474
−HK$1,455/mo
Today · 4.125%
HK$48,929
baseline
▲ 0.50% · 4.625%
HK$51,907
+HK$2,978/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,858/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,222
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,595
−HK$1,394/mo
Today · 4.125%
HK$53,989
baseline
▲ 0.50% · 4.625%
HK$56,835
+HK$2,846/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,978/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,197
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,039
−HK$1,870/mo
Today · 4.125%
HK$62,909
baseline
▲ 0.50% · 4.625%
HK$66,737
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,818/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,856
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,622
−HK$1,792/mo
Today · 4.125%
HK$69,414
baseline
▲ 0.50% · 4.625%
HK$73,073
+HK$3,659/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,828/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,849 · Scale 2, in force from 26 Feb 2026)