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$32,858
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$1,038/mo
Today · 4.125%
HK$34,918
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$2,125/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,836/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,554
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,534
−HK$995/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,560
+HK$2,031/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$77,058/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,429
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,656
−HK$1,246/mo
Today · 4.125%
HK$41,902
baseline
▲ 0.50% · 4.625%
HK$44,451
+HK$2,549/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$83,804/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,865
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,041
−HK$1,193/mo
Today · 4.125%
HK$46,234
baseline
▲ 0.50% · 4.625%
HK$48,671
+HK$2,437/mo
Deposit HK$5.76M · loan HK$8.65M · min. income ≈ HK$92,468/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$540,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,001
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,432
−HK$1,453/mo
Today · 4.125%
HK$48,885
baseline
▲ 0.50% · 4.625%
HK$51,860
+HK$2,975/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,770/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,175
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,548
−HK$1,392/mo
Today · 4.125%
HK$53,940
baseline
▲ 0.50% · 4.625%
HK$56,783
+HK$2,843/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,880/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$540,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,144
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,983
−HK$1,870/mo
Today · 4.125%
HK$62,853
baseline
▲ 0.50% · 4.625%
HK$66,677
+HK$3,824/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,706/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,797
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,561
−HK$1,791/mo
Today · 4.125%
HK$69,352
baseline
▲ 0.50% · 4.625%
HK$73,007
+HK$3,655/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,704/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,361 · Scale 2, in force from 26 Feb 2026)