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$32,838
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,860
−HK$1,038/mo
Today · 4.125%
HK$34,898
baseline
▲ 0.50% · 4.625%
HK$37,021
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,796/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,532
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,512
−HK$994/mo
Today · 4.125%
HK$38,506
baseline
▲ 0.50% · 4.625%
HK$40,536
+HK$2,030/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,012/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,406
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,632
−HK$1,245/mo
Today · 4.125%
HK$41,877
baseline
▲ 0.50% · 4.625%
HK$44,425
+HK$2,548/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,754/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,839
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,015
−HK$1,192/mo
Today · 4.125%
HK$46,207
baseline
▲ 0.50% · 4.625%
HK$48,643
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,414/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,974
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,404
−HK$1,453/mo
Today · 4.125%
HK$48,857
baseline
▲ 0.50% · 4.625%
HK$51,829
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,714/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,145
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,517
−HK$1,392/mo
Today · 4.125%
HK$53,909
baseline
▲ 0.50% · 4.625%
HK$56,750
+HK$2,841/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,818/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,109
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,948
−HK$1,868/mo
Today · 4.125%
HK$62,816
baseline
▲ 0.50% · 4.625%
HK$66,638
+HK$3,822/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,632/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,758
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,522
−HK$1,789/mo
Today · 4.125%
HK$69,311
baseline
▲ 0.50% · 4.625%
HK$72,964
+HK$3,653/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,622/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,045 · Scale 2, in force from 26 Feb 2026)