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$32,823
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,844
−HK$1,037/mo
Today · 4.125%
HK$34,881
baseline
▲ 0.50% · 4.625%
HK$37,003
+HK$2,122/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,762/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,515
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,494
−HK$994/mo
Today · 4.125%
HK$38,488
baseline
▲ 0.50% · 4.625%
HK$40,516
+HK$2,028/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,976/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,387
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,612
−HK$1,245/mo
Today · 4.125%
HK$41,857
baseline
▲ 0.50% · 4.625%
HK$44,404
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,714/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,818
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,993
−HK$1,192/mo
Today · 4.125%
HK$46,185
baseline
▲ 0.50% · 4.625%
HK$48,620
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,370/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,952
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,381
−HK$1,452/mo
Today · 4.125%
HK$48,833
baseline
▲ 0.50% · 4.625%
HK$51,805
+HK$2,972/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,666/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,121
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,492
−HK$1,391/mo
Today · 4.125%
HK$53,883
baseline
▲ 0.50% · 4.625%
HK$56,723
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,766/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,081
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,918
−HK$1,867/mo
Today · 4.125%
HK$62,785
baseline
▲ 0.50% · 4.625%
HK$66,606
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$125,570/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,727
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,489
−HK$1,789/mo
Today · 4.125%
HK$69,278
baseline
▲ 0.50% · 4.625%
HK$72,929
+HK$3,651/mo
Deposit HK$1.44M · loan HK$12.95M · min. income ≈ HK$138,556/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,785 · Scale 2, in force from 26 Feb 2026)