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$32,841
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$1,038/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$37,025
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,536
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,516
−HK$994/mo
Today · 4.125%
HK$38,510
baseline
▲ 0.50% · 4.625%
HK$40,540
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,020/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,410
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,636
−HK$1,245/mo
Today · 4.125%
HK$41,881
baseline
▲ 0.50% · 4.625%
HK$44,429
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,762/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,843
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,019
−HK$1,193/mo
Today · 4.125%
HK$46,212
baseline
▲ 0.50% · 4.625%
HK$48,648
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,424/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,978
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,408
−HK$1,453/mo
Today · 4.125%
HK$48,861
baseline
▲ 0.50% · 4.625%
HK$51,834
+HK$2,973/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,722/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,150
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,522
−HK$1,392/mo
Today · 4.125%
HK$53,914
baseline
▲ 0.50% · 4.625%
HK$56,755
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,828/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,115
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,953
−HK$1,869/mo
Today · 4.125%
HK$62,822
baseline
▲ 0.50% · 4.625%
HK$66,644
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,644/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,764
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,528
−HK$1,790/mo
Today · 4.125%
HK$69,318
baseline
▲ 0.50% · 4.625%
HK$72,971
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,636/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,096 · Scale 2, in force from 26 Feb 2026)