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$32,850
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$1,038/mo
Today · 4.125%
HK$34,910
baseline
▲ 0.50% · 4.625%
HK$37,034
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,820/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,545
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$995/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,550
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,420
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,646
−HK$1,246/mo
Today · 4.125%
HK$41,892
baseline
▲ 0.50% · 4.625%
HK$44,441
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,784/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,854
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,031
−HK$1,193/mo
Today · 4.125%
HK$46,224
baseline
▲ 0.50% · 4.625%
HK$48,660
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,448/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,990
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,421
−HK$1,453/mo
Today · 4.125%
HK$48,874
baseline
▲ 0.50% · 4.625%
HK$51,848
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,748/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,164
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,536
−HK$1,392/mo
Today · 4.125%
HK$53,928
baseline
▲ 0.50% · 4.625%
HK$56,770
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,856/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,130
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,969
−HK$1,869/mo
Today · 4.125%
HK$62,838
baseline
▲ 0.50% · 4.625%
HK$66,662
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,676/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,782
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,546
−HK$1,790/mo
Today · 4.125%
HK$69,336
baseline
▲ 0.50% · 4.625%
HK$72,990
+HK$3,654/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,672/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,237 · Scale 2, in force from 26 Feb 2026)