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$32,852
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$1,038/mo
Today · 4.125%
HK$34,912
baseline
▲ 0.50% · 4.625%
HK$37,037
+HK$2,125/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,824/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,548
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,528
−HK$994/mo
Today · 4.125%
HK$38,522
baseline
▲ 0.50% · 4.625%
HK$40,553
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,044/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$540,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,423
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,649
−HK$1,246/mo
Today · 4.125%
HK$41,895
baseline
▲ 0.50% · 4.625%
HK$44,444
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,790/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,857
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,034
−HK$1,193/mo
Today · 4.125%
HK$46,227
baseline
▲ 0.50% · 4.625%
HK$48,663
+HK$2,436/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,454/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,993
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,424
−HK$1,453/mo
Today · 4.125%
HK$48,877
baseline
▲ 0.50% · 4.625%
HK$51,851
+HK$2,974/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,754/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,167
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,539
−HK$1,392/mo
Today · 4.125%
HK$53,931
baseline
▲ 0.50% · 4.625%
HK$56,774
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,862/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,134
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,973
−HK$1,869/mo
Today · 4.125%
HK$62,842
baseline
▲ 0.50% · 4.625%
HK$66,666
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,684/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,786
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,550
−HK$1,790/mo
Today · 4.125%
HK$69,340
baseline
▲ 0.50% · 4.625%
HK$72,995
+HK$3,655/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,680/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,273 · Scale 2, in force from 26 Feb 2026)