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$32,842
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$1,038/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$37,025
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,536
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,516
−HK$994/mo
Today · 4.125%
HK$38,510
baseline
▲ 0.50% · 4.625%
HK$40,540
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,020/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,410
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,636
−HK$1,246/mo
Today · 4.125%
HK$41,882
baseline
▲ 0.50% · 4.625%
HK$44,430
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,764/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,843
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,019
−HK$1,193/mo
Today · 4.125%
HK$46,212
baseline
▲ 0.50% · 4.625%
HK$48,648
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,424/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,979
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,409
−HK$1,453/mo
Today · 4.125%
HK$48,862
baseline
▲ 0.50% · 4.625%
HK$51,835
+HK$2,973/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,724/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,151
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,523
−HK$1,391/mo
Today · 4.125%
HK$53,914
baseline
▲ 0.50% · 4.625%
HK$56,756
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,828/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,115
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,954
−HK$1,868/mo
Today · 4.125%
HK$62,822
baseline
▲ 0.50% · 4.625%
HK$66,645
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,644/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,765
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,529
−HK$1,789/mo
Today · 4.125%
HK$69,318
baseline
▲ 0.50% · 4.625%
HK$72,972
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,636/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,102 · Scale 2, in force from 26 Feb 2026)