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$32,875
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,897
−HK$1,039/mo
Today · 4.125%
HK$34,936
baseline
▲ 0.50% · 4.625%
HK$37,062
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,872/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,573
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,554
−HK$995/mo
Today · 4.125%
HK$38,549
baseline
▲ 0.50% · 4.625%
HK$40,581
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,098/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,450
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,677
−HK$1,246/mo
Today · 4.125%
HK$41,923
baseline
▲ 0.50% · 4.625%
HK$44,474
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,846/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,887
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,064
−HK$1,194/mo
Today · 4.125%
HK$46,258
baseline
▲ 0.50% · 4.625%
HK$48,697
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,516/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,025
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,456
−HK$1,455/mo
Today · 4.125%
HK$48,911
baseline
▲ 0.50% · 4.625%
HK$51,887
+HK$2,976/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,822/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,202
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,575
−HK$1,393/mo
Today · 4.125%
HK$53,968
baseline
▲ 0.50% · 4.625%
HK$56,813
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,936/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,174
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,015
−HK$1,870/mo
Today · 4.125%
HK$62,885
baseline
▲ 0.50% · 4.625%
HK$66,712
+HK$3,827/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,770/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,831
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,597
−HK$1,791/mo
Today · 4.125%
HK$69,388
baseline
▲ 0.50% · 4.625%
HK$73,045
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,776/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,642 · Scale 2, in force from 26 Feb 2026)