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$32,847
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,868
−HK$1,038/mo
Today · 4.125%
HK$34,906
baseline
▲ 0.50% · 4.625%
HK$37,030
+HK$2,124/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,812/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,542
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,522
−HK$994/mo
Today · 4.125%
HK$38,516
baseline
▲ 0.50% · 4.625%
HK$40,546
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,032/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,416
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,642
−HK$1,246/mo
Today · 4.125%
HK$41,888
baseline
▲ 0.50% · 4.625%
HK$44,436
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,776/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,850
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,026
−HK$1,193/mo
Today · 4.125%
HK$46,219
baseline
▲ 0.50% · 4.625%
HK$48,655
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,438/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,985
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,416
−HK$1,453/mo
Today · 4.125%
HK$48,869
baseline
▲ 0.50% · 4.625%
HK$51,843
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,738/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,158
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,530
−HK$1,392/mo
Today · 4.125%
HK$53,922
baseline
▲ 0.50% · 4.625%
HK$56,764
+HK$2,842/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,844/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,124
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,963
−HK$1,869/mo
Today · 4.125%
HK$62,832
baseline
▲ 0.50% · 4.625%
HK$66,655
+HK$3,823/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,664/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,775
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,539
−HK$1,789/mo
Today · 4.125%
HK$69,328
baseline
▲ 0.50% · 4.625%
HK$72,983
+HK$3,655/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,656/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,180 · Scale 2, in force from 26 Feb 2026)