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$32,846
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,868
−HK$1,038/mo
Today · 4.125%
HK$34,906
baseline
▲ 0.50% · 4.625%
HK$37,030
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,812/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,541
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,521
−HK$994/mo
Today · 4.125%
HK$38,515
baseline
▲ 0.50% · 4.625%
HK$40,545
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,030/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,415
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,641
−HK$1,246/mo
Today · 4.125%
HK$41,887
baseline
▲ 0.50% · 4.625%
HK$44,436
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,774/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,849
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,025
−HK$1,193/mo
Today · 4.125%
HK$46,218
baseline
▲ 0.50% · 4.625%
HK$48,654
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,436/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,984
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,415
−HK$1,453/mo
Today · 4.125%
HK$48,868
baseline
▲ 0.50% · 4.625%
HK$51,842
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,736/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,157
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,529
−HK$1,392/mo
Today · 4.125%
HK$53,921
baseline
▲ 0.50% · 4.625%
HK$56,763
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,842/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,123
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,962
−HK$1,868/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,774
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,538
−HK$1,789/mo
Today · 4.125%
HK$69,327
baseline
▲ 0.50% · 4.625%
HK$72,981
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,654/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,170 · Scale 2, in force from 26 Feb 2026)