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$32,821
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,842
−HK$1,037/mo
Today · 4.125%
HK$34,879
baseline
▲ 0.50% · 4.625%
HK$37,001
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,758/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,513
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,492
−HK$993/mo
Today · 4.125%
HK$38,485
baseline
▲ 0.50% · 4.625%
HK$40,514
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,970/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,385
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,610
−HK$1,245/mo
Today · 4.125%
HK$41,855
baseline
▲ 0.50% · 4.625%
HK$44,402
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,710/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,815
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,990
−HK$1,193/mo
Today · 4.125%
HK$46,183
baseline
▲ 0.50% · 4.625%
HK$48,617
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,366/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,949
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,378
−HK$1,453/mo
Today · 4.125%
HK$48,831
baseline
▲ 0.50% · 4.625%
HK$51,802
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,662/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,118
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,489
−HK$1,391/mo
Today · 4.125%
HK$53,880
baseline
▲ 0.50% · 4.625%
HK$56,720
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,760/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,077
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,915
−HK$1,867/mo
Today · 4.125%
HK$62,782
baseline
▲ 0.50% · 4.625%
HK$66,602
+HK$3,820/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,564/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,723
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,486
−HK$1,788/mo
Today · 4.125%
HK$69,274
baseline
▲ 0.50% · 4.625%
HK$72,925
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,548/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,756 · Scale 2, in force from 26 Feb 2026)