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$32,848
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,869
−HK$1,038/mo
Today · 4.125%
HK$34,907
baseline
▲ 0.50% · 4.625%
HK$37,031
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,814/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,543
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,523
−HK$994/mo
Today · 4.125%
HK$38,517
baseline
▲ 0.50% · 4.625%
HK$40,547
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,034/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,417
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,643
−HK$1,246/mo
Today · 4.125%
HK$41,889
baseline
▲ 0.50% · 4.625%
HK$44,438
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,778/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,851
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,027
−HK$1,193/mo
Today · 4.125%
HK$46,220
baseline
▲ 0.50% · 4.625%
HK$48,657
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,440/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,417
−HK$1,453/mo
Today · 4.125%
HK$48,870
baseline
▲ 0.50% · 4.625%
HK$51,844
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,740/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,160
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,532
−HK$1,392/mo
Today · 4.125%
HK$53,924
baseline
▲ 0.50% · 4.625%
HK$56,766
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,848/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,126
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,965
−HK$1,868/mo
Today · 4.125%
HK$62,833
baseline
▲ 0.50% · 4.625%
HK$66,657
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,666/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,777
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,541
−HK$1,789/mo
Today · 4.125%
HK$69,330
baseline
▲ 0.50% · 4.625%
HK$72,985
+HK$3,655/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,660/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,197 · Scale 2, in force from 26 Feb 2026)