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$32,881
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$1,039/mo
Today · 4.125%
HK$34,943
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,886/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,580
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,561
−HK$995/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,588
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,457
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,684
−HK$1,247/mo
Today · 4.125%
HK$41,931
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,862/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,895
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,073
−HK$1,194/mo
Today · 4.125%
HK$46,267
baseline
▲ 0.50% · 4.625%
HK$48,706
+HK$2,439/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,534/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,033
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,465
−HK$1,455/mo
Today · 4.125%
HK$48,920
baseline
▲ 0.50% · 4.625%
HK$51,896
+HK$2,976/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$97,840/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,211
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,585
−HK$1,393/mo
Today · 4.125%
HK$53,978
baseline
▲ 0.50% · 4.625%
HK$56,823
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.09M · min. income ≈ HK$107,956/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,185
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,026
−HK$1,871/mo
Today · 4.125%
HK$62,897
baseline
▲ 0.50% · 4.625%
HK$66,724
+HK$3,827/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,794/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,843
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,609
−HK$1,791/mo
Today · 4.125%
HK$69,400
baseline
▲ 0.50% · 4.625%
HK$73,059
+HK$3,659/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,800/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,742 · Scale 2, in force from 26 Feb 2026)