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$32,886
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,909
−HK$1,039/mo
Today · 4.125%
HK$34,948
baseline
▲ 0.50% · 4.625%
HK$37,075
+HK$2,127/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,896/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,585
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,567
−HK$995/mo
Today · 4.125%
HK$38,562
baseline
▲ 0.50% · 4.625%
HK$40,595
+HK$2,033/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,124/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,463
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,691
−HK$1,247/mo
Today · 4.125%
HK$41,938
baseline
▲ 0.50% · 4.625%
HK$44,490
+HK$2,552/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,876/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,902
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,080
−HK$1,194/mo
Today · 4.125%
HK$46,274
baseline
▲ 0.50% · 4.625%
HK$48,714
+HK$2,440/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,548/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,040
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,473
−HK$1,455/mo
Today · 4.125%
HK$48,928
baseline
▲ 0.50% · 4.625%
HK$51,905
+HK$2,977/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$97,856/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,220
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,593
−HK$1,394/mo
Today · 4.125%
HK$53,987
baseline
▲ 0.50% · 4.625%
HK$56,832
+HK$2,845/mo
Deposit HK$4.33M · loan HK$10.10M · min. income ≈ HK$107,974/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,195
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,036
−HK$1,871/mo
Today · 4.125%
HK$62,907
baseline
▲ 0.50% · 4.625%
HK$66,735
+HK$3,828/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$125,814/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,854
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,620
−HK$1,792/mo
Today · 4.125%
HK$69,412
baseline
▲ 0.50% · 4.625%
HK$73,070
+HK$3,658/mo
Deposit HK$1.44M · loan HK$12.98M · min. income ≈ HK$138,824/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,828 · Scale 2, in force from 26 Feb 2026)