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$32,869
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,892
−HK$1,039/mo
Today · 4.125%
HK$34,931
baseline
▲ 0.50% · 4.625%
HK$37,056
+HK$2,125/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,862/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,567
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,547
−HK$995/mo
Today · 4.125%
HK$38,542
baseline
▲ 0.50% · 4.625%
HK$40,574
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,084/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,443
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,670
−HK$1,247/mo
Today · 4.125%
HK$41,917
baseline
▲ 0.50% · 4.625%
HK$44,467
+HK$2,550/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,834/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,880
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,057
−HK$1,194/mo
Today · 4.125%
HK$46,251
baseline
▲ 0.50% · 4.625%
HK$48,689
+HK$2,438/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,502/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,017
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,448
−HK$1,455/mo
Today · 4.125%
HK$48,903
baseline
▲ 0.50% · 4.625%
HK$51,878
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,806/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,194
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,566
−HK$1,393/mo
Today · 4.125%
HK$53,959
baseline
▲ 0.50% · 4.625%
HK$56,804
+HK$2,845/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,918/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,165
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,005
−HK$1,870/mo
Today · 4.125%
HK$62,875
baseline
▲ 0.50% · 4.625%
HK$66,701
+HK$3,826/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,750/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,820
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,585
−HK$1,791/mo
Today · 4.125%
HK$69,376
baseline
▲ 0.50% · 4.625%
HK$73,033
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,752/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,553 · Scale 2, in force from 26 Feb 2026)