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$32,837
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,859
−HK$1,037/mo
Today · 4.125%
HK$34,896
baseline
▲ 0.50% · 4.625%
HK$37,020
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,792/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,531
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,511
−HK$994/mo
Today · 4.125%
HK$38,505
baseline
▲ 0.50% · 4.625%
HK$40,534
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,010/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,405
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,630
−HK$1,246/mo
Today · 4.125%
HK$41,876
baseline
▲ 0.50% · 4.625%
HK$44,424
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,752/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,837
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,013
−HK$1,193/mo
Today · 4.125%
HK$46,206
baseline
▲ 0.50% · 4.625%
HK$48,641
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,412/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,972
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,402
−HK$1,453/mo
Today · 4.125%
HK$48,855
baseline
▲ 0.50% · 4.625%
HK$51,828
+HK$2,973/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,710/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,144
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,515
−HK$1,392/mo
Today · 4.125%
HK$53,907
baseline
▲ 0.50% · 4.625%
HK$56,748
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,814/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,107
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,946
−HK$1,868/mo
Today · 4.125%
HK$62,814
baseline
▲ 0.50% · 4.625%
HK$66,636
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,628/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,756
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,520
−HK$1,789/mo
Today · 4.125%
HK$69,309
baseline
▲ 0.50% · 4.625%
HK$72,962
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,618/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,027 · Scale 2, in force from 26 Feb 2026)