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$32,816
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,837
−HK$1,037/mo
Today · 4.125%
HK$34,874
baseline
▲ 0.50% · 4.625%
HK$36,996
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,748/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,508
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,487
−HK$993/mo
Today · 4.125%
HK$38,480
baseline
▲ 0.50% · 4.625%
HK$40,509
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,960/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,380
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,604
−HK$1,245/mo
Today · 4.125%
HK$41,849
baseline
▲ 0.50% · 4.625%
HK$44,395
+HK$2,546/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$83,698/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,809
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,984
−HK$1,192/mo
Today · 4.125%
HK$46,176
baseline
▲ 0.50% · 4.625%
HK$48,610
+HK$2,434/mo
Deposit HK$5.76M · loan HK$8.63M · min. income ≈ HK$92,352/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,943
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,372
−HK$1,452/mo
Today · 4.125%
HK$48,824
baseline
▲ 0.50% · 4.625%
HK$51,795
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$97,648/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,111
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,482
−HK$1,390/mo
Today · 4.125%
HK$53,872
baseline
▲ 0.50% · 4.625%
HK$56,712
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.07M · min. income ≈ HK$107,744/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,069
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,907
−HK$1,866/mo
Today · 4.125%
HK$62,773
baseline
▲ 0.50% · 4.625%
HK$66,593
+HK$3,820/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,546/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,714
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,476
−HK$1,788/mo
Today · 4.125%
HK$69,264
baseline
▲ 0.50% · 4.625%
HK$72,915
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,528/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,681 · Scale 2, in force from 26 Feb 2026)