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$32,850
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$1,038/mo
Today · 4.125%
HK$34,910
baseline
▲ 0.50% · 4.625%
HK$37,035
+HK$2,125/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,820/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,546
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,526
−HK$994/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,551
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,421
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,647
−HK$1,246/mo
Today · 4.125%
HK$41,893
baseline
▲ 0.50% · 4.625%
HK$44,442
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,786/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,855
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,031
−HK$1,193/mo
Today · 4.125%
HK$46,224
baseline
▲ 0.50% · 4.625%
HK$48,661
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,448/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,991
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,421
−HK$1,454/mo
Today · 4.125%
HK$48,875
baseline
▲ 0.50% · 4.625%
HK$51,849
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,750/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,164
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,536
−HK$1,392/mo
Today · 4.125%
HK$53,928
baseline
▲ 0.50% · 4.625%
HK$56,771
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,856/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,131
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,970
−HK$1,869/mo
Today · 4.125%
HK$62,839
baseline
▲ 0.50% · 4.625%
HK$66,662
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,678/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,782
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,547
−HK$1,790/mo
Today · 4.125%
HK$69,337
baseline
▲ 0.50% · 4.625%
HK$72,991
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,674/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,244 · Scale 2, in force from 26 Feb 2026)