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$32,824
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,845
−HK$1,037/mo
Today · 4.125%
HK$34,882
baseline
▲ 0.50% · 4.625%
HK$37,005
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,764/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,516
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,496
−HK$993/mo
Today · 4.125%
HK$38,489
baseline
▲ 0.50% · 4.625%
HK$40,518
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,978/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,389
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,614
−HK$1,245/mo
Today · 4.125%
HK$41,859
baseline
▲ 0.50% · 4.625%
HK$44,406
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,718/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,820
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,995
−HK$1,192/mo
Today · 4.125%
HK$46,187
baseline
▲ 0.50% · 4.625%
HK$48,622
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,374/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,954
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,383
−HK$1,452/mo
Today · 4.125%
HK$48,835
baseline
▲ 0.50% · 4.625%
HK$51,807
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,670/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,123
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,494
−HK$1,391/mo
Today · 4.125%
HK$53,885
baseline
▲ 0.50% · 4.625%
HK$56,725
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,770/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,083
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,921
−HK$1,867/mo
Today · 4.125%
HK$62,788
baseline
▲ 0.50% · 4.625%
HK$66,609
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,576/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,729
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,492
−HK$1,789/mo
Today · 4.125%
HK$69,281
baseline
▲ 0.50% · 4.625%
HK$72,932
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,562/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,807 · Scale 2, in force from 26 Feb 2026)