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$32,818
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$1,037/mo
Today · 4.125%
HK$34,876
baseline
▲ 0.50% · 4.625%
HK$36,999
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,752/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,510
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,489
−HK$994/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,028/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,382
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,607
−HK$1,245/mo
Today · 4.125%
HK$41,852
baseline
▲ 0.50% · 4.625%
HK$44,398
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,704/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,812
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,987
−HK$1,192/mo
Today · 4.125%
HK$46,179
baseline
▲ 0.50% · 4.625%
HK$48,613
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,358/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,375
−HK$1,452/mo
Today · 4.125%
HK$48,827
baseline
▲ 0.50% · 4.625%
HK$51,798
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,654/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,114
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,485
−HK$1,391/mo
Today · 4.125%
HK$53,876
baseline
▲ 0.50% · 4.625%
HK$56,716
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,752/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,073
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,911
−HK$1,867/mo
Today · 4.125%
HK$62,778
baseline
▲ 0.50% · 4.625%
HK$66,597
+HK$3,819/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,556/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,718
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,481
−HK$1,788/mo
Today · 4.125%
HK$69,269
baseline
▲ 0.50% · 4.625%
HK$72,920
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,538/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,717 · Scale 2, in force from 26 Feb 2026)