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$32,817
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$1,037/mo
Today · 4.125%
HK$34,875
baseline
▲ 0.50% · 4.625%
HK$36,997
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,750/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,509
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,488
−HK$993/mo
Today · 4.125%
HK$38,481
baseline
▲ 0.50% · 4.625%
HK$40,510
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,962/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,380
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,605
−HK$1,245/mo
Today · 4.125%
HK$41,850
baseline
▲ 0.50% · 4.625%
HK$44,396
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,700/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,810
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,985
−HK$1,192/mo
Today · 4.125%
HK$46,177
baseline
▲ 0.50% · 4.625%
HK$48,611
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,354/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,944
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,373
−HK$1,452/mo
Today · 4.125%
HK$48,825
baseline
▲ 0.50% · 4.625%
HK$51,796
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,650/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,112
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,483
−HK$1,391/mo
Today · 4.125%
HK$53,874
baseline
▲ 0.50% · 4.625%
HK$56,713
+HK$2,839/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,748/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,071
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,867/mo
Today · 4.125%
HK$62,775
baseline
▲ 0.50% · 4.625%
HK$66,595
+HK$3,820/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,550/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,716
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,478
−HK$1,788/mo
Today · 4.125%
HK$69,266
baseline
▲ 0.50% · 4.625%
HK$72,917
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,532/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,694 · Scale 2, in force from 26 Feb 2026)